Tile damage hides under the furniture until the claim starts. After water or fire, the broken tile usually pulls the nearest seam with it — grout and dye lots rarely match. These are the tile and substrate lines.
Tile can't be matched — grout color and dye lots mean you run to the nearest seams. That's why scopes price more than the one broken tile.
When the water damage reached the substrate, yes — replace what's delaminated before the new tile.
Want these lines in a real estimate? Read the deeper guide or convert a carrier scope PDF to an import-ready ESX file.
Every line mapped to its correct Xactimate SEL code — accurate, catalog-priced, and ready for Xactimate.
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