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.