Discover the Benefits of the Kentucky Matching Law
The Kentucky Matching Shingle Law provides great opportunities for homeowners who require roof repairs or even full replacements.
This law, or regulation rather, is part of the Kentucky Fair Claims Settlement Practices for Property and Casualty Insurance.
Does Kentucky Have a Matching Law?
Matching is required according to the Kentucky Matching law. The law stipulates that for fire and extended coverage policies with replacement cost coverage:
“If a loss necessitates the replacement of items and the replacements fail to reasonably match in quality, color, and size, the insurer is obligated to replace all items in the affected area to ensure a reasonably uniform appearance. This provision extends to both interior and exterior losses. The insured party shall not incur any costs beyond the applicable deductible.”
The Kentucky Department of Insurance recently attempted to clarify the definition of “area” to mean the entirety of a part used for a specific purpose, such as an entire roof, an entire contiguous interior carpet, an entire contiguous interior tile floor, etc.
What Is The Kentucky Matching Shingle Law
The Kentucky Matching Shingle Law is a state law that requires home insurance companies to provide matching shingle replacement coverage to their policyholders who hold fire and extended-type coverage policies.
This regulation was enacted in order to protect homeowners from being underinsured in the event of a catastrophic wind or hail storm.
The Kentucky matching law provides that if a policyholder’s home is damaged by a covered event, the insurance company must provide replacement shingles that match the style, color, and quality of the original shingles on the home.
Matching is a concept that’s unique to the insurance world, but plays a big role in the resolution of property claims.
Roofing is a potential source of mismatch due to age wear color size shape materials or any other visual quality–but matching issues can arise at different points throughout a claim.
When damage to the roof results in its mismatched appearance against an otherwise undamaged shingle of the same property, understanding how matching works is key.
A uniform look was likely present prior to the loss, making it important for all parties involved to think about matching and its implications in their resolution process.
Basically, the Kentucky matching law states, if your roof needs repairing in a specific area and materials don’t match in quality, color, or size, you can get the insurer to cover a replacement to make sure there’s uniformity.
Don’t miss out on this great opportunity!
How Home Owners Benefit from the Kentucky Matching Shingle Law
When it comes to roof repairs, insurance companies are not always on your side. They may be resistant to replacing the roof and opt for a repair option instead.
That’s why it’s so important to have On The Roof Contracting in your corner — they can make sure you get what you’re owed without dealing with extra hoops or costs out of pocket.
The Kentucky roof matching law is beneficial to homeowners because it ensures that their home will look consistent after a roof repair or replacement.
In addition, this law protects homeowners from being overcharged for roof repairs or replacements.
If the shingle type you need is no longer sold, or if there’s a mismatch between your current weathered and faded roof, then the insurance company should cover a new roof entirely in most circumstances.
Don’t forget that one powerful weapon in this battle the homeowner can use to win…Knowledge!
Understanding your rights allows homeowners an advantage and makes getting the best outcome much easier.
What This Means For The Future Of Homeownership in Kentucky
This is good news for homeowners because it gives them peace of mind knowing that their homes will be protected in the event of damage.
It also means that they will not have to pay out of pocket to replace their roof if it is damaged.
The Kentucky matching statute is a step in the right direction for the future of home ownership and will help to protect the investments of homeowners in Kentucky.
If you would like to read further into the Kentucky Matching Statute, and we suggest you do, you can find it here on the state’s website 806 KAR 12:095 § 9(1)(b).
On The Roof Contracting offers FREE inspections and a FREE UPGRADE from standard 3-tab shingles to attractively aesthetic dimensional shingles.
We will ensure that your insurance company is aware of the Kentucky roof matching law and that they adhere to it when appropriate.
If you think you are in need of roof repairs, contact a professional roofing company that will go to bat for you as a homeowner.
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