Matching Claims
Uniform Appearance Is The Law
Ohio’s rule says replacement must produce a reasonably comparable appearance. When no match exists for your discontinued siding or shingles, that rule rewrites the scope — and we prove it properly.
Read It Yourself — Then Watch Us Use It
Ohio Administrative Code 3901-1-54 sets the standard: repair or replacement “sufficient to result in a reasonably comparable appearance” — you can read the rule at codes.ohio.gov. A checkerboard of new panels against twenty-year-faded siding fails that standard on its face. The rule doesn’t care that only four panels blew off; it cares what the wall looks like when the work is done.
Lab Reports Beat Adjuster Opinions
The rule needs evidence, and opinions don’t count — independent laboratory match testing does. A sample of your siding or shingle goes to the lab, gets compared against everything currently manufactured, and comes back with an objective finding: match available, or no reasonable match exists. With a no-match report in hand, the conversation moves from “we’ll patch it” to elevation or full replacement. It’s how one creased shingle and a few panels of discontinued siding became a $43,679.72 full-exterior claim with a $1,000 deductible.
Claim Questions, Answered Like We File Them
Does the matching rule apply to roofs too?
Yes — discontinued shingles with storm damage raise the same uniform-appearance question, often deciding repair versus slope or full replacement.
My siding is just faded, not discontinued — does matching apply?
It can: severe fade means even a currently-made panel won’t reasonably match your wall. Fade documentation plus the rule still moves scopes.
Who pays for the lab test?
We handle match testing as part of building the claim — it’s evidence we need to do the job right.
Will carriers really replace undamaged walls?
When the evidence supports it under the rule, yes — routinely. It’s fact-dependent, and building those facts is precisely what we do.
Does insurance have to match my siding in Ohio?
Ohio’s rule requires replacement sufficient for a reasonably comparable appearance — when no reasonable match exists, that standard moves scopes from patches to elevations.
What is an ITEL report?
Independent laboratory analysis of your siding or shingle sample against everything currently manufactured — the objective match/no-match finding that turns the rule into leverage.
Does the matching rule apply to metal roofs and gutters?
The reasonable-appearance standard reaches any exterior component — dented metal panels and mismatched gutter runs raise the same uniformity questions.
What happens if a partial match exists but looks slightly off?
The standard is reasonable comparability, not perfection — side-by-side photo evidence of the mismatch under normal viewing is what moves borderline calls.
Matching In Action
Where the rule does its work.
Discontinued? That’s Leverage.
Free match assessment — sometimes a few panels is a whole new exterior.