We often run into situations where roofing shingles or siding have been discontinued but the insurance company just wants to repair the damaged shingles or siding without regard of whether it matches the existing product on your home. The mismatched products can be an eyesore and lower your properties value.
Please see your rights per the Nebraska Department of Insurance:
Title 210 – NEBRASKA DEPARTMENT OF INSURANCE Chapter 60 - UNFAIR PROPERTY AND CASUALTY SETTLEMENT PRACTICES RULE
010.01(A) When a loss requires repair or replacement of an item or part, any consequential physical damage incurred in making such repair or replacement not otherwise excluded by the policy, shall be included in the loss. Repair or replacement of consequential physical damage which requires the use of materials which are better or superior to the damaged materials shall not be considered betterment unless the use of such materials is at the request of the insured. 010.01(B) When a loss requires replacement of items and the replacement items do not reasonably match in quality, color or size, the insurer shall replace all items in the area so as to conform to a reasonably uniform appearance. This applies to both interior and exterior losses. The insured shall not bear cost over any applicable deductible
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