Missouri Siding Match Law

It is a matter of great importance to insurance companies because matching problems with a slightly damaged section of roof or flooring can lead.

Missouri siding match law.

The siding has been on your house for 15 years and is no longer available. Shingles siding carpet cabinets etc whether and when a carrier must replace non damaged portions of a building in order for there to be a perfect match remains a point of contention. While the matching issue involves repairing truly damaged or destroyed property and the ensuing problems that result when the repaired section of a roof siding or cabinetry. When damage caused by fire smoke water hail or other causes results in a small portion of a home or building being damaged e g shingles siding carpet cabinets etc whether and when a carrier must replace non damaged portions of a building in order for there to be a perfect match remains a point of contention.

Here s how it works with american family insurance. According to the court that was necessary to ensure a reasonable color match. Hamlet also relied upon recent decisions in missouri 4 and the district of columbia 5 which similarly concluded that an insurer s obligation to pay based on comparable similar like kind or equivalent quality required a reasonable match between the replacement and existing materials. Matching siding coverage starts at just 25 annually.

It is a matter of. However since the siding is no longer made you have to pick a different type of siding and the two don t match. If only a portion of a structure is damaged and the material to be used to repair or replace the damaged portion is no longer available is the insurance company required to replace the entire area so the siding shingles etc. How matching siding insurance works.

It will look like crap. In the area of property damage law one of the hot topics these days is matching. The trial court ultimately. So if you stand at the corner of the house and.

So what is matching undamaged vinyl or metal siding coverage. And then if you have undamaged. Is a family owned and operated business located in the st. Insurance company x comes along and agrees to replace the siding since wind is a covered loss.

As noted above your homeowners policy will begin by covering the cost of replacing the damaged sections. If the siding does not match and that can clearly be seen from a visual point then the carrier must match the siding. Last week a unanimous panel of missouri s intermediate level appellate court reached a similar conclusion under a replacement cost contract of insurance that required replacement for equivalent construction and use in alessi v.