Roofing supplement laws by state
Matching statutes, ACV vs RCV rules, code upgrade requirements, and top carriers — for every major roofing market in the US. Updated 2026.
Texas does not have a strict statutory matching law, but TDI Bulletin B-0026-04 directs carriers to provide a 'reasonable match' for repairs. In practice this means a full slope replacement when a partial repair would create a visibly different roof.
Florida Statute §626.9744 explicitly requires carriers to repair OR replace damaged property with materials of like kind and quality, including matching. This is one of the strongest matching statutes in the US and almost always supports full-slope replacement claims.
Colorado has no statutory matching requirement, but the Division of Insurance Bulletin B-5.26 directs carriers to act in good faith, which courts have interpreted to support matching claims when partial repair would create visible mismatch.
Oklahoma has no statutory matching law, but the Oklahoma Insurance Department (OID) has issued guidance supporting matching when partial replacement would result in a non-uniform appearance.
Georgia has no statutory matching law. Carriers are not required to match shingles on partial repairs unless the policy explicitly includes a matching endorsement.
Tennessee Code §56-7-130 (2014) requires carriers to repair or replace with materials of like kind and quality. Courts have interpreted this to include matching when partial repair would create visible mismatch.
Missouri has no statutory matching requirement. Matching claims rely on policy language and good-faith claims handling regulations under Mo. Rev. Stat. §375.1007.
Kansas has no statutory matching requirement.
Nebraska has no statutory matching requirement.
Minnesota Statute §65A.10 requires carriers to repair or replace with materials of like kind and quality, including matching shingles where partial repair would create visible discontinuity.
Iowa has no statutory matching requirement.
Ohio has no statutory matching requirement.
North Carolina has no statutory matching requirement, but NC General Statute §58-3-100 requires good-faith claims handling.
SC has no statutory matching requirement.
Louisiana Revised Statute §22:1892 requires good-faith claims handling and supports matching where partial repair creates visible mismatch.