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Does your insurance company have to make matching repairs?

| Jun 15, 2021 | Residential Homeowner's Insurance Litigation

Hurricanes and tropical storms can do a lot of damage to your property. High winds and heavy rains can peel off siding or destroy your roof. Rebuilding after that damage could cost you tens of thousands of dollars.

Thankfully, your homeowner’s insurance coverage will help you make repairs to the storm damage left behind. Whether it was your siding, your windows or your shingles that require work so, the project will have a major impact on the curb appeal of your home.

Replacing one window casing with a product that doesn’t match the rest of your house would look terrible. The same would be true of a shingle patch in a different color than the rest of your roof. Does your insurance provider need to consider the cosmetic impact of repairs? Can you demand that they use matching materials?

Florida law requires matching repairs within reason

The frequency of storm damage claims in Florida may be one reason why state law addresses so many insurance issues in depth. For example, state law instructs insurance companies that they should make reasonable efforts to match the existing materials when they repair partial damage to the exterior or interior of the structure.

You have a statutory right to have matching repairs made without the insurance company factoring in depreciation for the rest of the house. They do have the right to try to limit their costs. That might mean ordering color-match shingles or replacing all of the siding because the brand you used no longer exists.

Insurance companies can look into measures that would allow them to minimize their expenses and the extent of the repairs, provided that they still meet certain basic cosmetic requirements. The condition of the remaining materials and the available solutions will impact exactly how an insurance company provides matching repairs.

You may have extra coverage in your policy

Many insurance companies let people buy into premium cosmetic coverage. By paying a slightly higher rate for your coverage, you can rely on your insurance company to make those bigger repairs or commit to using the same prestige products and brands without hassle.

Reviewing your policy documentation and the extent of the damage can help you advocate for yourself during a major homeowner’s insurance claim. The better you understand your rights the easier it will be to ask the insurance company to uphold the policy they wrote.

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