What do I do if
Carrier authorized partial roof repair when matching is impossible.
Carriers frequently authorize partial repair to limit exposure even when matching is impossible.
Carrier authorized partial roof repair when matching is impossible.
Root cause
Why this happens
Carriers frequently authorize partial repair to limit exposure even when matching is impossible.
Know the law
Your rights as a Florida policyholder
Florida Statute 626.9744 requires reasonable matching. Partial repair that cannot match may entitle you to full-slope or full-roof replacement.
Free claim review
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 next.
What to do
Solution steps
- 01
Step 1
Demand matching analysis from carrier
- 02
Step 2
Get contractor opinion on matching feasibility
- 03
Step 3
Document material discontinuation if applicable
- 04
Step 4
Cite FS 626.9744 in dispute
- 05
Step 5
Invoke appraisal if necessary
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Carrier adjusters often produce initial scopes that materially underestimate damage. Their scope is the first number, not the last.
Contents claims are typically underscoped because homeowners lack documentation and carriers offer flat settlements.
Smoke migrates through HVAC and contaminates the entire home. Carriers often limit smoke coverage to the fire room.
RCV-for-contents policies withhold depreciation until proof of replacement.
Free claim review
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 next.
Know the law
Relevant statutes
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
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See also
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
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 next.
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