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You're Not Patching My Imported Cherry Wood With That!

Other states, such as Colorado, don't have specific laws on matching. Carriers in some of these states have added non-matching language to policies and introduced endorsements to cover matching.

American Family Insurance, for instance, now offers the "Matching Undamaged Siding and Roof Coverage" endorsement, which covers up to $20,000 of the cost to update with new materials the undamaged siding or roofing if there's a mismatch when repairs are made. The endorsement costs $20 to $30 a year.

Even in states where insurance companies are required by law to make everything match, company adjusters often push for less-expensive patching and resist full replacement, according to United Policyholders, a San Francisco-based consumer advocacy group.

"It's not a slam dunk," Reitz says. "They balk all the time, but when you press, they'll give in. The argument I generally make is it all matched before, so it should match now." (See: "Hidden dangers of filing a home insurance claim.")

Reitz says there's less push-back from insurers about replacing an entire counter or floor than for replacing a roof or all the siding.

Making the argument when filing an insurance claim

Jansen says besides varying by state, insurer and policy, the issue of patching versus full replacement depends a lot on individual insurance company adjusters. Some are more flexible and willing to accommodate customers more than others.

If you can't make any headway, Jansen says consider going over the adjuster's head to a supervisor. Still think the insurer is treating you unfairly? Contact your state's insurance department to file a complaint. Another option is to hire a public insurance adjuster, who works on your behalf through the claims process. Public insurance adjusters generally charge about 10 percent of the final settlement, so you'd pay about $2,000 if your claim settlement is $20,000. If they're able to recoup more than you would by filing a claim by yourself, a public insurance adjuster's service pays for itself. (See: "Public insurance adjusters work to streamline claims.")

Overall, with most insurers, Jansen says, "If you make a compelling argument, typically they listen."

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