If 2 pieces of 3 piece hutch is ruined from a ruptured water pipe does the pair and set clause come in effect because our insurance only wants to pay for the damaged pieces eventhough it's 1 unit?

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If 2 pieces of 3 piece hutch is ruined from a ruptured water pipe does the pair and set clause come in effect because our insurance only wants to pay for the damaged pieces eventhough it's 1 unit? resources

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