Does Ohio have a Roof Matching Law for property insurance claims?

No, but it’s not that simple.

Ohio does not have a specific “roof matching law” that mandates insurers to cover the total replacement of a roof if the new materials do not perfectly match the undamaged portions. Instead, Ohio law generally requires that replacement materials result in a “reasonably comparable appearance” to the existing roof, but this does not extend to requiring a full replacement unless special circumstances are proven. Ohio Administrative Code 3901-1-54 and relevant court rulings indicate that insurers are expected to provide a reasonably close match, but they are not obligated to cover complete roof replacement due to slight differences in appearance between old and new materials unless there is substantial evidence to support such a need.

We encourage everyone to review your policy details and discuss with your insurance agent if you have any questions.

References

I searched for articles from independent sources but unfortunately there are none I can find.

Ohio Administrative Code 3901-1-54

Ohio Insurance Agents Association Article

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