Mn Siding Match Law

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

Mn siding match law.

Material and quality requires the replacement of all siding even undamaged siding in order to provide a color match. 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. This may be one slope of a roof or one side of a house. Sometime protection companies insist on only changing a portion of a roof or siding particularly the area that has direct physical damage.

Because real estate law varies from place to place can you tell me what state this is in. 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. 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 coverage is not available in mn at this time.

This may be one slope of a roof or one side of a house. Just wondering if that is true. Matching siding coverage is meant to help you if your original siding that s damaged is discontinued. Is there a minnesota law requiring insurance companies to match your shingles or siding in an insurance claim.

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. That case directly addressed american family insurance s failure to provide match replacement for homeowners roofing and siding storm loss claims. Is there a minnesota law requiring insurance companies to match existing material. It is a matter of great importance to insurance companies because matching problems with a slightly damaged section of roof or flooring can lead.

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. 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.