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Steve,
I noticed by your responses that you seem to be very knowledgeable in insurance field. Please help me. I need your advice.
My wife and I had a small kitchen fire. Our homeowner's insurer sent repairmen that replaced our refrigerator with a used one, replaced the floor tile with second-hand tile, used shoddy lumber to build cabinets, and second-hand cabinets for our dishes and glasses.
Can my insurer get away with this? What should I do?
Thanks.
Frank B.