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If we had a flood in our kitchen, what is my obligation to the insurance company?

Question Details: Our home is around 6 years old and we had a flood in our kitchen. The insurance company did not pay for the plumber, I did. Now the insurer is asking for the PEX pipe because it has a small hole in it due to the end of a nail in the wood framing of my home. The insurance company claims that I am interfering with subrogation against the builder. Do I have to give them the pipe? What are my options?

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