Matching is one of the more difficult topics in insurance. (Credit: Adobe Stock)
When only part of the property is damaged — such as siding or a roof — and the insurance carrier cannot match the existing property, should the entire property be replaced in order to properly indemnify the insured? Ir is it acceptable for the carrier to simply repair the property and leave the roof or siding mismatched?
When replacement cost coverage is available, logic would dictate that "new for old" would apply and the entire item should be replaced; with mismatched siding, shingles, or other property, the value of the property is diminished.
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Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.
