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January 25, 2023
2 min read time

Florida’s Matching Rule


What’s the Matching Rule? 

Florida’s matching statute provides that if an insured property is damaged, then the items used to make repairs must reasonably match the items used in adjoining areas.

The term “matching rule” or “matching statute” may not be familiar to those who have never dealt with an insurance claim for property damage. However, for those who have experienced roof or other property damage, this rule is important for ensuring proper repairs to your home.

In Florida, the matching statute provides that if a property is damaged, the items used for repairs must reasonably match those used in adjacent areas. This rule was put in place to protect homeowners from insurance companies who would previously only repair directly damaged items, resulting in an uneven appearance.

What is Florida Statute 626.9744 and How Does it Affect Homeowners?

Florida Statute 626.9744 requires that unless otherwise provided by the policy when a homeowner’s insurance policy covers the adjustment and settlement of first-party losses based on repair or replacement cost, the following applies:

If a loss requires the replacement of items, and the replaced items do not match in quality, color, or size, the insurer must make reasonable repairs or replacement of items in adjacent areas.

Insurance companies often argue against this statute as it can lead to increased costs for repairs. This is particularly problematic when trying to find matching materials, such as roofing tiles that have been discontinued and/or changed over time.

Struggling With Your Claim? We Can Help You.

If you have experienced damage to your property and are struggling with a denied or underpaid claim, it is important to be aware of your rights for matching repairs under Florida Statute 626.9744. Our team can assist with filing a new claim, reopening a claim, and negotiating for the insurance benefits you are entitled to under your insurance policy.  Contact us today for more information and to ensure that your property is properly restored to its pre-damaged condition.