Making the Policyholder Whole: Property Insureance Coverage for Both the Damaged and Undamaged Parts of a "Pair of Set"


...replacement of an entire hall or floor of carpeting where part of it is damaged where necessary to maintain uniformity.

These are issues that adjusters debate frequently. Economic factors sometimes favor full replacement, for example, where it is actually cheaper simply to remove and replace all carpeting instead of incurring the time and expense to test, select and stage a partial carpet replacement. Such economic efficiency arguments can be persuasive with an insurer’s adjuster, but where there is debate, the policyholder or their public adjuster may gain leverage by quoting the “pair and set” clause.

There is little case law addressing the ‘pair and set’ clause, but what there is generally favors the policyholder.

The basic Webster’s definition of a ‘set’ is ‘a number of things of the same kind that belong or are used together.’ ( Merriam-Webster’s on-line dictionary 2015)