July 11, 2023


We recently received a question about our ITEL blog from a subscriber in California:

Q: I came across your website and was reading a blog post on how ITEL reports vary and how they don’t even use the same sample comparison. I wanted to see further blog posts on how your office dealt with that. I am in California. My Pergo flooring was damaged and my insurance has asked for an ITEL report. ITEL sent me a report where they recommended a non-Pergo and the most basic laminate flooring from Lowe’s, which comes to $1.19. The most basic Pergo flooring at Lowes is $2.69. So, how does one dispute this?

As with any other claim, the first thing one must do in this situation is make sure you know – without a doubt – the brand of the flooring. If you installed it yourself, the best thing you can do is provide an original invoice to the insurance company documenting the manufacturer of the flooring along with the cost at the time of purchase. If the property was just built, you can obtain the building plans that show the materials used in the course of construction.  Another tip is when the demo is being done by the professional restoration company, they can set aside a section of the flooring – that should have a brand name on the back. This should be saved to document the facts for the insurer.

An insured is owed like kind and quality for the current RCV (replacement cost value) of that item.  If the flooring was installed by a previous owner of the house, you can remove a section of the flooring and take it to a local flooring company to identify what it is and what a comparable replacement would cost per square foot.  At the end of the day, you are entitled to a replaced Pergo floor – but only if that’s absolutely what you had prior to the loss.

Additionally, it can be helpful to know what happens when a small section of flooring is damaged from a loss and it turns out that particular material is now discontinued. This is a common occurrence today. In this case, the insured is owed a comparable floor cost in today’s market, and the flooring will need to be replaced 100% on all of the continuous areas.



Read our original post here:

When you suffer a property loss at your business or home, your insurance company sends one of its adjusters to evaluate the damage.  This insurance adjuster makes a preliminary determination of the cause of the loss and what your payout will be.

When the property damage claim involves items such as hardwood flooring, carpeting, siding or roofing, an insurance adjuster will often send a sample of the damaged material to an independent testing lab for analysis.  The goal of having such a lab test the materials is to produce accurate pricing for the lost items and to find the best available match for replacement materials.  After all, this information is the basis of a fair settlement.

In our experience as public adjusters, this analysis typically happens at ITEL, the nation’s leading independent testing lab.  We most often encounter ITEL on losses involving large areas of carpet.


Xactimate – the software system that serves as the insurance industry’s standard program for estimating the cost of repairs and reconstruction for residential and commercial structures – offers only a few options for determining replacement costs for certain materials.  In the case of carpets, for example, these options are limited to one of four “grades”: Standard, Average, High and Premium.  Because costs vary so significantly between grades, insurers increasingly elect to use ITEL rather than guess which grade is most applicable to the damaged carpet involved in the claim.

How does ITEL function?

The insurance adjuster will take a small sample of one of the damaged products – e.g., carpet – and then sends it to ITEL for an analysis of materials and cost.  ITEL sends back the test results within 24-48 hours after conducting the tests.

And this is where things get interesting.

As PAs, we often see a very large discrepancy on carpeting costs.  The insurance adjuster might send damaged carpet to ITEL that has a manufacturer’s logo stamped on the back, and ITEL will send back an analysis based on a product made by a completely different manufacturer.  We also see situations where we send in a claimant’s wool carpet, and ITEL responds with the conclusion that the carpet is actually not wool at all.

What the heck?!?

Believe it.  In upcoming posts, we will provide real-world examples of ITEL analyses that are totally out of whack with our own assessments, and how we resolved these seemingly impossible differences on behalf of our clients.


Bryan Holtzman

Bryan Holtzman is Vice President of Swerling Milton Winnick, with more than 15 years of experience helping businesses and homeowners navigate complex insurance claims. He specializes in building estimates and policy interpretation.
If you’ve had a fire, flood or other property loss resulting in an insurance claim, and need a public insurance adjuster in Massachusetts, New Hampshire, Rhode Island, New England or anywhere in the U.S. or Caribbean, call Swerling Milton Winnick. We are the oldest and largest public adjusting firm in New England, and our team of experts will give you personalized, 24/7 attention to successfully resolve your residential or business insurance claim.