Mn 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.

Mn siding match law.

I ve been told minnesota has a match law that requires insurance companies to cover all shingles or siding on house if part of the shingles or siding is damages and they can no longer match size or color. A good illustration of the matching uniformity problem is found in a 2014 minnesota federal district court case in which a manufacturer discontinued the shingles used on the insured s roof thus. Matching issues are frequently problematic when storms damage only portions of an insured structure s exterior and it proves impossible to replace the damaged sections with material that is an exact match for the rest of the building s roof or siding. Just wondering if that is true.

Sometime insurance companies insist on only replacing a portion of a roof or siding particularly the area that has direct physical damage. This may be one slope of a roof or one side of a house. The match law issue in minnesota arose out of a 1999 district court case brought by then attorney general mike hatch against american family mutual insurance company. Earlier this month the minnesota supreme court held that the phrase comparable.

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. And because just the hail damaged panels could not be replaced without creating a color mismatch the buildings had sustained a distinct demonstrable and physical alteration. Because the appraisal panel properly concluded that siding of comparable material and quality required a reasonable color match between the damaged and undamaged siding we affirm the court of appeals decision. This may be one slope of a roof or one side of a house.

Material and quality requires the replacement of all siding even undamaged siding in order to provide a color match. Normal damage that occurs to your home s siding like fading from sun exposure or dirt and grime is your responsibility and won t be covered for the replacement cost. Is there a minnesota law requiring insurance companies to match existing material. Is there a minnesota law requiring insurance companies to match your shingles or siding in an insurance claim.

Sometime protection companies insist on only changing a portion of a roof or siding particularly the area that has direct physical damage. That case directly addressed american family insurance s failure to provide match replacement for homeowners roofing and siding storm loss claims. This coverage is not available in mn at this time.