Issue #3030
Pair, Set and Match

Pair, Set and Match: Replacement of Undamaged Hotel Furnishings Ensuring a Uniform Look

It should come as no surprise that when a hotel is damaged by a disaster, it is expected that replacement furnishings match throughout the hotel. As a result hotel owners purchase property insurance that is expected to cover the cost of doing so.

Some insurance companies, however, suggest that hotel owners seek a “windfall” when they claim the replacement cost of matching hotel furnishings. This article explains why the insurers are wrong and discusses the policy language that will minimize disputes regarding this “Pair and Set” issue.