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I want to wait for an answer as this is ,in my opinion straight forward , all i wish to know is what my rights are regarding the question ,
it is an insurance question , can i claim for full replacement of the flooring as there is no threshold (door plate) between the rooms ,my insurance policy is a "like for like" policy , and the original estimator measured all the rooms ,as he assured us this was the case ,however my insurance company says they will only pay for the hall ,
this is important to me and i want an answer or at the very least and explanation as to how to proceed ,
I could have different laminate in the hall as opposed to the other rooms ,but , the rooms ,hall , dining room , lounge , are all laid without threshold plates between the rooms , in other words the laminate is continuous , from all rooms , the wording "threshold plate" means a separation between different spaces , there is one door between the hall and dining room BUT there is no threshold plate ,for example if you had a carpet in one room and laminate in an adjoining room there would be a "threshold plate" be twixt the two rooms , mine is continuous laminate throughout the reason this was done is because it looks all the same , so i do not wish to have different laminate in the hall .
all i want to know is if my insurance is "LIKE FOR LIKE" can I demand that it all be replaced as per my insurance ,
I do not want a different laminate in the rooms ,that is not how it is and I do not see any reason why this should change ,
in other words if you owned a Mercedes and where offered a Ford as a substitute would you accept it , NO ,so why should I ,
Thanks for your help
You are correct in stating I wont like the answer ,I don't and feel I have wasted £38 , as I understand like for like that means a replacement on the same basis not something different to what I have , I will contact a loss assessor and continue my investigations , thanks