Ugh, countertop issues can be such a headache... been there myself. Did your insurance companies end up sending out their own inspectors? Sometimes getting an independent assessment can speed things along—I had a client who did that and it really helped clarify who was responsible. Also, did you document everything with photos right away? Having clear evidence from day one can make insurers move faster, since they can't easily dispute visual proof. Either way, glad you finally got it sorted—these overlaps are always trickier than they should be.
Countertop issues are definitely one of those sneaky headaches that seem minor until you're knee-deep in paperwork and phone calls. Good call on the independent assessment—insurance companies tend to drag their feet unless you push them with solid evidence. Had a similar situation with flooring once, and documenting everything from day one saved me a ton of hassle later. Glad you got through it; these overlaps always feel like a blame game nobody wants to play.
Curious if anyone's had experience with builder warranties stepping in before insurance even gets involved. I've seen some builders eager to fix issues upfront to protect their reputation, others... not so much. Did your builder offer any initial solutions before it got complicated?
