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Challenges arise with matching property damage repairs

Matching fixtures and materials is one of the most discussed parts of homeowners coverage.

By FC&S Editors | Updated on August 23, 2017
If the policy covers replacement costs, the carrier owes for restoring what the insured had pre-loss, even after a severe weather event. (AP Photo/Nati Harnik)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: I have a claim in Illinois and the insured has an HO-0005.  The public adjuster is stating since we can’t match the siding we owe for the whole re-siding of the home regardless of damage. They are referring to page 14 of 22 where it states:

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