Mn Siding Match Law

Is there a minnesota law requiring insurance companies to match your shingles or siding in an insurance claim.

Mn siding match law.

That case directly addressed american family insurance s failure to provide match replacement for homeowners roofing and siding storm loss claims. Matching siding coverage is meant to help you if your original siding that s damaged is discontinued. This coverage is not available in mn at this time. 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.

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. Just wondering if that is true. Because real estate law varies from place to place can you tell me what state this is in. This may be one slope of a roof or one side of a house.

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. 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. Earlier this month the minnesota supreme court held that the phrase comparable. The minnesota supreme court determined that the policy s provision for replacements of comparable material and quality required a reasonable color match between new and existing siding.

Material and quality requires the replacement of all siding even undamaged siding in order to provide a color match. This may be one slope of a roof or one side of a house. It is a matter of great importance to insurance companies because matching problems with a slightly damaged section of roof or flooring can lead. 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.

Is there a minnesota law requiring insurance companies to match existing material. Sometime insurance companies insist on only replacing a portion of a roof or siding particularly the area that has direct physical damage. 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.