What do I do if
Carrier says matching is not required.
FS 626.9744 governs matching, but carriers narrow its application.
Carrier says matching is not required.
Root cause
Why this happens
FS 626.9744 governs matching, but carriers narrow its application.
Know the law
Your rights as a Florida policyholder
Matching is required when reasonable. Each claim's facts govern.
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.
What to do
Solution steps
- 01
Step 1
Cite FS 626.9744
- 02
Step 2
Document visual difference with photos
- 03
Step 3
Obtain contractor opinion on matching feasibility
- 04
Step 4
Invoke appraisal if disagreement persists
No obligation. No fee unless recovery.
Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
My contractor's estimate doesn't match the carrier's scope.
Different methodologies, pricing lists, and scope assumptions.
Carrier applied roof age-based ACV even though policy should be RCV.
Some Florida policies have roof age endorsements that downgrade coverage.
Carrier refused to pay code upgrades as "betterment".
Ordinance or law coverage is distinct from betterment. Carriers sometimes conflate.
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.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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.
See also
Other common problems
Carrier misapplied policy limits to damage.
Another situation Florida policyholders face mid-claim.
Construction debris from neighbor's work damaged my home.
Another situation Florida policyholders face mid-claim.
Wrong deductible applied to claim (standard).
Another situation Florida policyholders face mid-claim.
Contractor bond payout dispute (standard).
Another situation Florida policyholders face mid-claim.
Adjuster refuses to schedule inspection (variant 4).
Another situation Florida policyholders face mid-claim.
The carrier is pushing for a recorded statement.
Another situation Florida policyholders face mid-claim.
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