Water loss – Hardwood on stairs

The same hardwood was installed throughout the home, including stairs. The installer simply took the hardwood and put it through a router table to put a round nose on the material and installed it on the rise and run of the stairs. The upper level has the same flooring.

I understand that the stairs represent a “natural break” however that natural break is continuously clad with the same flooring material that was damaged near the kitchen. The home is fairly open concept and the visually continuous area includes the stairs as part of the living area.

The flooring is discontinued and contains aluminum oxide. No matching possible and no refinishing possible.

My opinion is the visually continuous area should be the same as pre loss condition.

Adjuster states that there is no direct damage to the stairs and the stairs represent a “natural break” in the flooring.

Who is correct?