I received a comment to my post, Cosmetic Damage is "Physical Damage" and Recoverable Under a Property Insurance Policy, asking the following:

What about matching of the roof tiles or shingles?

The new ones are always going to be different. But, the insurance companies are not paying for the entire roof.

In this case the purpose of insurance of "to put the insured in the same position they were before the loss" is not true as long as the insurance companies continue to pay part of the roof.

Your opinion, please.

Thank you.


Continue Reading Coverage Issue of “Matching” Roof Tiles or Shingles Shows How to Use the Search Function of this Blog

Insurance claim denials and disputes involving “matching” are frequent. I received this recent comment on the topic of matching:

Hey Chip

Back on 5/17/09, Cat adjuster posted a comment regarding matching of aged paneling and tile floors. You advised that maybe the adjusters were relying on Texas Case Law regarding causation. In my experience, the adjusters and appraisers I am dealing with in Texas simply don’t feel they owe for match. For instance, I am dealing with an adjuster who agrees that the siding on this Galveston Home was discontinued in the 1930’s and is obviously unavailable and can not be matched. He agrees to replacement of the two damaged sides, but insists the carrier does not owe for match of the two remaining sides.

I have argued that failure to replace all 4 sides will not completely indemnify the Insured. He is not moving at all. I have not found any case law or statutes dealing directly with this issue.

Any thoughts??


Continue Reading Matching Coverage Disputes and Disagreements are Routine and Not Going Away–Don’t Miss Our September 11 Seminar in Houston Which Covers This Topic

If you have questions on insurance coverage, I have answers. A public Comment and a few private questions to yesterday’s post, Matching of Property Damage is Statutory in Florida, were enough cause to provide some general case examples and one significant suggestion.


Continue Reading Provide the Right Proof so Your Insurer Will Pay Costs to Repair or Replace to Match Texture, Color and Likeness

Suppose some shingles on a roof are damaged, but not all. Does a policyholder get a hideous looking checkerboard roof which affects the value of the structure and possibly the neighborhood? If part of a carpet is damaged, is it patched leaving a new part slightly different looking in the middle of a room? Many of these issues never arise because many insurance companies pay to match, trying to maintain a happy customer. Some pay for only the damaged amount, and end up fighting with their customers.


Continue Reading Matching of Property Damage is Statutory in Florida