Replacement Cost Insurance

[Christine Morrison]

I could sure use some advise.  A drunk drove into a pillar of my small strip center.  Because the bricks are so old and unmatchable, my insurance company offered to rebuild the pillar then apply PAINT to all of the rest of the pillar bricks to make it the same color, but not to all of the rest of the brick building.

Painting is a temporary solution needing to be redone every year and I want the bricks to match. This accident is going to cost me a fortune to paint the rest of the bricks myself or replace all of the building bricks to match to new pillar.  I thought the replacement cost insurance would make me whole. 

How can I best navigate the insurance company to have the building back whole again.  

[Jason Bott]

@Christine Morrison I don't have any immediate solution, but maybe a few options to explore.

1). Not sure if the drunk has insurance, or if you even know who did it.  But the auto policy would respond differently to the claim than your building policy.  You could make the arguement of lost property value is you can't match exactly.

2). If your building policy is fighting you on it, you may want hire an independent adjuster.  They may be able to find the language in the policy that requires them to fix the building to your satisfaction.

Good luck