POLICY TRENDS · MATCHING LAW

Florida’s Matching Law and the New 1% Payout Cap: What Homeowners Should Know

By Nelson Avila, Licensed Florida Public Adjuster (License G332385) · Florida Certified Contractor · Property Insurance Appraiser & Umpire
Homeland Public Adjusters · Last reviewed: October 2026

Roof shingle samples in different colors

Florida Statute 626.9744 generally requires that when an insurer repairs part of a covered loss, and the new materials won’t reasonably match the undamaged remainder in quality, color or size, the insurer has to address that mismatch too — repairing or replacing enough of the adjoining undamaged material that the result looks consistent, not patched.

Have a property claim anywhere in Florida? A licensed Homeland public adjuster comes to you within hours — no need to visit an office. Call (305) 783-3777 (Florida) or (732) 517-3777 (New Jersey), 24/7.

Verify us · BBB Accredited, A+ · our licensed adjusters

How insurers have responded

Short answer: Florida Statute 626.9744 generally requires the insurer to address a mismatch when repaired materials won’t reasonably match the undamaged rest. But a number of insurers now use OIR-approved endorsements that cap matching at 1% of your dwelling limit, which is $3,000 on a $300,000 home.

Since 2022, Florida’s Office of Insurance Regulation has approved “matching limitation” endorsements from a number of insurers (Citizens’ was approved in August 2022, and about 25 insurers were listed by September 2023). The ones published so far cap what the carrier pays toward matching undamaged areas at 1% of your dwelling (Coverage A) limit. On a $300,000 dwelling limit, that’s $3,000 toward matching, regardless of what the repair actually costs.

Why that number is often not enough

Discontinued shingle colors, aged siding, or roofing material no longer manufactured can mean the only way to actually match is replacing far more than 1% covers — sometimes an entire roof slope or side of a house. When the endorsement applies, the dollar cap, not the visual outcome, decides how far the repair goes.

This is often tied to the same claim as a partial roof repair. A new roof-repair code standard (see our Policy Trends article on roof replacement) means a partial repair is more likely to be approved than it used to be — and a partial repair is exactly where a matching dispute tends to start.

Call Homeland before you speak with the insurance company about a repair that won’t match the rest of your home. Whether a matching-limitation endorsement applies, and what it actually caps, changes how the claim should be built from the start.

Matching disputes are a regular issue on Homeland's claims in Coral Springs, Boca Raton and Sarasota.

Frequently asked questions

What does Florida’s matching law require?

Florida Statute 626.9744 generally requires that when an insurer repairs part of a covered loss and the new materials won’t reasonably match the undamaged remainder in quality, color or size, the insurer must address the mismatch too.

What is the 1% matching cap?

Since late 2022, Florida’s Office of Insurance Regulation has approved endorsements from numerous insurers that cap what they pay toward matching undamaged areas at 1% of the dwelling (Coverage A) limit, for example $3,000 on a $300,000 dwelling limit.

This article is for general information only and is not legal or insurance advice. Always review your own policy and any endorsements for the exact matching language.

More by Nelson Avila

All 105 articles by Nelson Avila →

Other Homeland authors