Do YOU have homeowners insurance? His insurance is either coldhearted or wrong when they claim they will only replace some of the shades. Thats like saying the right side panel of draperies was damaged so the old untouched left side will not be covered. Push the insurance company to do the right thing before you offer to split the cost.

I have homeowners but I already contacted them and they claim that damage from a vendor is not covered.

As far as his insurance company, if you google "does homeowners insurance cover replacement of a set", you'll find that it's pretty common practice for them not to unless one has an upgraded policy.

Still, I will try to get his insurance company to send an appraiser and see what they say. He claims they will not cover the undamaged ones. But I will try.

If he has already contacted his insurance about this then he is admitting he is at fault. It is his job to pay for replacement shades. Period. It should not be your concern whether that money is coming from his insurance or his own pocket. His insurance can cover half of the shades and his own bank account can over the rest of them.

Hunter Douglas shades are very expensive, and it is well beyond your responsibility to agree to less expensive shades. Unfortunately, this is a very expensive lesson on his part about doing appropriate protection to a space.

It sounds like you both are being reasonable. Hopefully this can be worked out.

Thank you. I completely agree with you. He as much as told me that his guys admitted to it. And although I am a retiree on a fixed income, I also don't want to see a small business get screwed. It's not like he's still gonna make a lot of money ... if he pays the entire difference, it will approach the total cost of the paint job (his entire revenue stream from me). The dispute revolves aroudn the "undamaged" window treatments which comprise the set. He feels he shouldn't have to compensate me for the undamaged ones. If it were possible for me to replace and match them, I would say fine with me. But 15 years later, they are made differently and would not match.

Depending upon how the final numbers work out, I will likely offer to split that difference in some way. But until his insurance company comes back with their offer, I can't do anything yet. So my plan is to get a complete replacement quote, provide him with the paperwork, and then wait.

Unfortunately stuff happens on a job site much of it preventable. In the years when I owned a construction company I had a few memorable oppsies. Several glass globes (the easiest being the fancy name brand ones because at least I knew how to buy them) and one piece of trim on a surface mount door that had to be sent by ship from Italy- the freight alone was $500. Not once was the client even told about the cost or how I would pay for it. You have made it easy for them- you’ve done the legwork on getting the replacements priced. It doesn’t matter how they will pay for them, they just have to do it. It sucks but this is a hard lesson for them.

To dani_m08, apparently ... even according to the blind store where I bought them, insurance companies will not cover undamaged items that are part of a set. But in any case, I've sent the painter the estimate to completely replace with Hunter Douglas and asked him to file a claim. Let's see what his insurance company offers. I agree with everything you said. I'm just trying to work with him to find something palatable to both of us.