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5000 miles ago we installed a used engine with 65k in a vehicle. We also installed a new timing belt and tensioner at that time. The vehicle was towed in with a no start condition. Long story short, the timing belt had jumped and bent the valves. The engine supplier is off the hook because they require installer to replace the belt. Our insurance carrier said its not covered either. My argument is that it's a loss. I have to buy a new engine, pay our tech to replace it and loss of ability to do paying work for about 18hours. I've never had an insurance claim and now that I'm asking for one I'm told it is not covered. How can insurance companies get away with this. Anyone else had an experience like this?

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