Insurance question. I'm out of state now. Parents' home got hit by Ian. Roof was damaged significantly. The ins adjuster told them he'd recommend a new roof based on the damage, but the scope of loss came back for just a patch repair. The roofer my parents are using told us the tile is discontinued, and he's not sure he can do the repairs because he may not be able to get the tiles from a boneyard. Thinking to demand appraisal. Thoughts?

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Look up the matching statute

likehelpful

Florida is a matching state. If the tiles are discontinued ,even if only 1 single tile on the roof is cracked, they are entitled to have all the tiles replaced with a matching set of tile.

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First, file a Civil Remedy Notice against the carrier bc the Adjuster verbally extended coverage to a new roof and then the carrier retracted and extended coverage for a small repair.

You can demand appraisal, but if you do, make sure to get your own appraiser so that they can advocate on your behalf. You can also get your own atty. I know a bunch of great atty’s in first party property, so send me a DM if you need someone. They work on contingency, so no money up front.

Good luck!

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If the roofer doesn’t know about the matching statute they need a new roofer who does.

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