Why shouldn’t you talk about matching with insurance adjusters? Well, in Missouri and Kansas, state law does not require policies to be written that match the products on your house. The correct terminology that you want to talk about is “like, kind, and quality”. So, we just finished up this roof here today.

There was a tree that fell and hit the corner of the house and damaged the shingles all the way up the gable. We got called out to do a repair, which would have been fairly easy. But when we looked at the shingles, the shingles are no longer made.

There’s nothing even remotely like them. It’s a single piece of asphalt. It’s not just a different color.

There’s nothing of like, kind, and quality, which is the words you want to use when dealing with things like this. So, I’d have been happy to repair the roof, but it was just impossible. So, we talked to the insurance company, and we did not use the words matching. We presented our case and showed that there was nothing on the market remotely like it. So, there’s no like, kind, and quality. So, well, what do you do from there? Well, the entire roof gets replaced.

So, it wasn’t the initial goal, and the roof wasn’t that old to begin with. So, we would have preferred not to, but we didn’t have any choice at that time. So, when you are talking to insurance adjusters, choose your words carefully.

This is not what we call a matching state, meaning the state laws don’t require the policy to be written in that way. So, you can only dig yourself a hole that way. If you have questions about that, just give me a call, and we’ll get it figured out.