Missouri Siding Match Law

Here is the legal requirement.

Missouri siding match law.

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. According to the court that was necessary to ensure a reasonable color match. So if you stand at the corner of the house and can clearly see the siding does not match the carrier must replace it. 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.

It is a matter of great importance to insurance companies because matching problems with a slightly damaged section of roof or flooring can lead. It is a matter of. 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. However since the siding is no longer made you have to pick a different type of siding and the two don t match.

It will look like crap. The siding has been on your house for 15 years and is no longer available. 2014 began following a hail storm at the association in october 2011 the association filed a claim with its insurer. The minnesota supreme court recently issued a decision in the continuing saga of disputes between property owners and insurance companies.

When a loss requires replacement of items and the replaced items do not match in quality color or size the insurer shall make reasonable repairs or replacement of items in adjoining areas. 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. The dispute as chronicled in cedar bluff townhome condo ass n inc. The trial court ultimately agreed with the cases offered by hamlet finding that american family s breached its contract as the hamlet policy covered the cost of obtaining.

This would be the same for roofs paint flooring etc. Co 857 n w 2d 290 293 minn. The key provision is the reasonably uniform appearance within the same line of sight term. 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.