Siding Matching States

When only part of the property is damaged such as siding or a roof and if the carrier cannot match the existing property should the.

Siding matching states.

Matching is one of the more difficult topics in insurance. Ohio is a matching state and they require a reasonable and comparable match. As an example in california the case of rattan v. It is a matter of great importance to insurance companies because matching problems with a slightly damaged section of roof or flooring can lead.

Iowa has a line of sight regulation. So if your roof looks like crap after the repairs are done looks like your owed a new roof. Matching siding coverage is meant to help you if your original siding that s damaged is discontinued. Most states have case decisions that state that an individual homeowner insured does not have a private right of action under a state s statute or regulations governing unfair claims settlement practices and the handling of a matching or uniformity issue.

This year south dakota also introduced legislation to become the tenth state enact this regulation. Since then nine states iowa nebraska kentucky california florida utah ohio rhode island and most recently connecticut have adopted some version of this regulation. A dispute arose as to whether the policy language providing for the replacement of damaged property with other property. The language adopted by the commissioner is non permissive in that it states that insurers shall match.

15 44 1 can be read below the key provision is the reasonably uniform appearance within the same line of sight term. If the siding does not match and that can clearly be seen from a visual point then the carrier must match the siding. An ohio regulation states that when an interior or exterior loss requires replacement of an item and the replaced item does not match the quality color or size of the item suffering the loss. As for the statement that matching is required on both interior and exterior losses that was a good addition due to the fact that many insurers in the past have agreed to pay for matching on the interior but not the exterior.