Mn Siding Match Law

Earlier this month the minnesota supreme court held that the phrase comparable.

Mn siding match law.

Just wondering if that is true. 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. It is a matter of great importance to insurance companies because matching problems with a slightly damaged section of roof or flooring can lead. Because real estate law varies from place to place can you tell me what state this is in.

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

Is there a minnesota law requiring insurance companies to match your shingles or siding in an insurance claim. This may be one slope of a roof or one side of a house. This coverage is not available in mn at this time. Material and quality requires the replacement of all siding even undamaged siding in order to provide a color match.

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. That case directly addressed american family insurance s failure to provide match replacement for homeowners roofing and siding storm loss claims. 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.

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. 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. 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.