Thank you for sharing!

Your article was successfully shared with the contacts you provided.

Matching is one of the more difficult topics in insurance. 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 entire property be replaced in order to properly indemnify the insured, or is it acceptable for the carrier to simply repair the property and leave the roof or siding mismatched?

When replacement cost coverage is available, logic would dictate that “new for old” would apply and the entire item should be replaced; with mismatched siding, shingles, or other property, the value of the property is diminished. However, various courts have found for both options; some state the entire thing should be replaced, while others have found that repairs, even if they do not match, are acceptable.

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

FC&S Editors


Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Date of Loss or Date of Assessment ›

When loss assessment language refers to an event, is the event the date of loss, or the date of the assessment?

Question of the Week Archive ›

Copyright © 2024 ALM Global, LLC. All Rights Reserved.