Tampa Hurricane Milton: partial denial to full roof replacement.
Example figures drawn from common Florida claim patterns. Not a specific claim or client, and not actual settlement amounts. Disclosures.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.
Carrier authorized patch. Matching analysis under FS 626.9744 resulted in full-roof replacement.
The initial claim
What went wrong
Carrier authorized partial repair with non-matching materials. Manufacturer discontinuation made the specific tile unavailable.
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The intervention
What we did
Manufacturer documentation showing discontinuation. Color-matching analysis showing visible distinction. Cited FS 626.9744 in formal dispute.
Key takeaways
Lessons for policyholders
FS 626.9744 is powerful but requires documented inability to match. Carriers concede when the statute is properly invoked.
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Pick the closest match. We will ask for details next.
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What kind of damage?
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