Florida Statute 626.9744. Matching of Property. When repairs must match undamaged areas.
Florida Statute 626.9744. Matching of Property. When repairs must match undamaged areas.
Purpose
What this statute does
This statute establishes specific rights, duties, and deadlines affecting Florida property insurance policyholders. Understanding the statute is the difference between asserting your rights effectively and accepting carrier framing.
In practice
How it applies to your claim
If your claim touches any area governed by Florida Statute 626.9744, this statute controls. Citing the specific section in correspondence with carriers carries weight. Many carrier practices that feel unfair are addressed directly in Florida statutes.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
See also
Related statutes
Florida Statute 627.70131
Carrier duties and claim deadlines.
Florida Statute 627.70132
Notice of claim deadlines.
Florida Statute 626.854
Public adjuster licensing and conduct.
Florida Statute 627.7142
Homeowner Claim Bill of Rights.
Florida Statute 626.9744
Matching statute.
Florida Statute 627.7152
AOB restrictions.
No obligation. No fee unless recovery.
Have a claim affected by this statute? Free public adjuster review.
No fee unless we recover more.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Cross-reference
Denials citing Florida Statute 626.9744. Matching of Property. When repairs must match undamaged areas.
Not a Peril Covered by This Policy
Carrier denials that cite this statute as authority.
Insufficient Proof of Damage Cause
Carrier denials that cite this statute as authority.
Delayed Filing Past Policy Window
Carrier denials that cite this statute as authority.
Repair Costs Below Deductible
Carrier denials that cite this statute as authority.
Cosmetic Metal Roof Damage
Carrier denials that cite this statute as authority.
Inadequate Initial Scope
Carrier denials that cite this statute as authority.
Carrier Denied Partial Claim
Carrier denials that cite this statute as authority.
Voluntary Parting of Property
Carrier denials that cite this statute as authority.
Cross-reference
Problems involving this rule
Collectibles theft undervalued.
Common Florida policyholder situations governed by this rule.
Security camera/alarm system damaged.
Common Florida policyholder situations governed by this rule.
The carrier hired their own engineer.
Common Florida policyholder situations governed by this rule.
My supplemental claim was denied.
Common Florida policyholder situations governed by this rule.
My contractor walked off the job mid-repair.
Common Florida policyholder situations governed by this rule.
Contractor added hidden fees not in the original contract.
Common Florida policyholder situations governed by this rule.
Mortgage company won't release funds without an inspection I can't afford.
Common Florida policyholder situations governed by this rule.
My deductible is higher than I expected.
Common Florida policyholder situations governed by this rule.
See also
Related Florida statutes
Florida Statute 627.70151. Appraisal Procedures
Another Florida statute relevant to property insurance claims.
Florida Statute 627.7295. Homeowner Consumer Protections
Another Florida statute relevant to property insurance claims.
Florida Statute 627.4143. Homeowner Policy Required Disclosures
Another Florida statute relevant to property insurance claims.
Florida Statute 627.7142. Homeowner Claim Bill of Rights.
Another Florida statute relevant to property insurance claims.
Florida Statute 627.421. Delivery of Policy
Another Florida statute relevant to property insurance claims.
Florida Statute 626.9541. Unfair Insurance Trade Practices.
Another Florida statute relevant to property insurance claims.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Florida claim updates
One email a month. No fluff.
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more