Repair it or Replace it?

[PolicyWala]

The decision to either repair or replace is with your insurers underwriters.

You cannot ask or suggest them.

[Pankaj Singh]

Swapnil,

Insurer normally check with surveyor, which is best to repair or replace the insured article. If the cost of the repair is more than replacement cost, the insurer go for replacement.

But as policywala said you can't suggest insurer.

Hope you got the answer.