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Will insurance replace granite if backsplash breaks? cabinets?

Our contractor told us it will be near impossible to save our matching granite backsplash when they reconstruct our kitchen (post water damage). Since this is an insurance claim, Should insurance cover new granite so that it will all match? Also, it looks like from the estimate that insurance is covering to replaced our damaged lower cabinetry, but just to remove and replace the upper cabinets. Our cabinets, however, are a discontinued style, shouldn't they cover the cost of them as a set, both upper and lower?

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