Insurance Coverage Q&A: Matching and pair & set clause

When the replacement windows don't match the undamaged windows, does the pair and set clause apply?

By FC&S Editors | March 14, 2023 at 05:54 AM

Matching is one of those topics that the industry routinely struggles with. Courts have fallen on both sides <a href=of the issue and a number of states have statutes regarding the matter. (Credit: Wikimedia) " width="620" height="372" />

A fire occurred in a home located in Aurora, Ohio. As a result, 60% of the windows and sliding doors were destroyed by the fire. The insurance company has agreed to replace the fire-damaged units but hasn't committed on the undamaged units. This structure was custom-built by the insureds in 1984 and all of the windows and doors were manufactured by " Windsor," which is still in business and has given an estimate to replace the windows and doors that were damaged with an exact new model of like, kind and quality.

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