If 2 pieces of a 3 piece hutch is ruined do the pair and set clause come in effect?

Answer 1

First issue: how were the pieces ruined? If the damage was not a result of something that would be covered by the policy, then there's no need to wonder about the pair and set clause.

It's hard to answer this without knowing what the cause of damage was. I'm going to go with "yes" for now. But the purpose of that particular clause is to protect a company against fraud, and to make sure that you are in the exact same "financial" position you were in before the claim occurred. Here's what I mean by the last part: before the claim you had one hutch. If the company replaces the hutch and leaves you with a new hutch and a partially usable old one, then you are now better off than you were. You could possibly sell the old hutch for pieces, whatever. That's not the purpose of the insurance policy. The purpose is to put you in the same exact financial position you were in before the claim occurred, so they would give you a new hutch and take the old one.