Our tenants had a kitchen fire. Our insurance covered replacing a few cupboards and countertops but they wouldn't replace two additional countertops so that all would be matching because they couldn't get new ones that would match the old ones. Now it is costing us out of our pocket to replace 2 countertops so they will match the new ones. We were told that our realtor who represented us okayed the work order so it was the realtor's fault and so our insurance would not cover the added cost to make them all match. Our realtor says No, that the insurance adjuster said that the insurance would not pay because the fire did not damage those 2 countertops. This is a direct cause of the fire! This will bring the value of our house down when it goes on the market to sell or even to be rented. This does not seem logical because all the walls were not smoke damaged but they painted all of them because they would not match!