What the statute says
What triggers the statute
- Replacement material is not identical
- Available material differs in quality, color, or size
- Product line is discontinued
- Batch/dye lot cannot be matched
What the statute requires
- Replacement of a reasonably continuous area
- Not just a patch
- Extended scope when matching fails
- Insurer must pay for the expanded work
Application to roofing
- Full slope or full roof when shingle/tile discontinued
- Cross-ridge continuous replacement
- Matching line limitations
Application to siding
- Full elevation when product discontinued
- Cornerboards as reasonable transitions
- Color/texture matching required
Application to flooring
- Full room or sight-line replacement
- Batch differences supporting expansion
- Transitions at doorways as limits
How carriers push back
- "Product is still available" (ignoring batch)
- "Close enough" matching
- Artificial boundary transitions
- Partial-area patches
How to invoke
- Document discontinuation (manufacturer letter)
- Show physical mismatch with samples
- Define continuous area (same slope, same sight line, same wall)
- Cite the statute explicitly in demand
- Escalate if denied (appraisal often favors policyholder)