[QUOTE=KRMACK55;1981671]
Quote:
Originally Posted by lkagele
That’s not even close to true. Why say these things at all?
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I guess in my 38 years in the claims adjusting business I didn't learn a thing.....
Your countertop would be considered part of the building structure. Homeowners Structure coverage is written on an 'All Risks' basis. Everything is covered unless there is a specific exclusion. I don't know who your carrier is but I can't think of any exclusion that would apply in the standard policies I've seen.
Your adjuster will probably make an attempt to repair the damage. If it can't be repaired to your satisfaction (i.e. the crack is still noticeable), you would be entitled to full replacement of that countertop and all others in the kitchen that are matching.
Your insurance company would probably have knowledge of qualified repairmen they could refer you to so, if nothing else, that's a good place to start. Repaired or replaced, you claim would be subject to your policy deductible.