Mn Siding Match Law

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.

Mn siding match law.

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. 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. Is there a minnesota law requiring insurance companies to match existing material. Just wondering if that is true.

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

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. Is there a minnesota law requiring insurance companies to match your shingles or siding in an insurance claim. Because real estate law varies from place to place can you tell me what state this is in.

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. Sometime insurance companies insist on only replacing 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. Sometime protection companies insist on only changing 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. 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. 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.