Water leak at a bathroom and insurance claim (Safeco)

[Jason Sung]

Hi, my rental home got leak from shower and damaged shower floor. 

shower is fixed without of pocket. 

I have landlord insurance with deductible $2500. the house has continuous flooring, meaning the entire house has same LVP. 

The claims adjuster says they can only cover floor replacemnt in the master bathroom as there is a door between the bath and the room. 

Is this common? Would appreciate any comment from people with experience. thanks.