TL;DR
After a hurricane, many insurance companies deny full roof replacements using the “matching exclusion” excuse. But Florida law, building codes, and manufacturer installation requirements often require full replacement, not just patch repairs.
If your claim was denied, delayed, or underpaid, a licensed public adjuster from Panther Public Adjusting can reopen your claim, prove the real cause of damage, and fight to get you the full payout you deserve.
🌪️ When the Storm Hits, the Real Battle Begins
If your home took a beating during Florida’s last hurricane season, you’re not alone. From Tampa to Sarasota, thousands of homeowners have discovered the same frustrating truth, the hardest part isn’t surviving the storm; it’s dealing with the insurance company afterward.
Insurers are quick to send their adjusters out, take a few photos, and then return with a “lowball settlement” that barely covers partial repairs. Even worse, some use confusing policy terms like “matching exclusions” to justify paying only for a portion of your roof or siding, leaving your home mismatched, vulnerable, and unfinished.
Here’s the truth:
Insurance companies have their own adjusters protecting their bottom line, not yours.
That’s why Florida homeowners turn to Panther Public Adjusting, the experts who know how to fight back and get your property restored the right way.
🧱 What the “Matching Exclusion” Really Means
Most property insurance policies include a clause called a matching exclusion. It’s the insurer’s favorite excuse after hurricane damage, they’ll say something like:
“We’ll only replace the shingles that were damaged. The rest of the roof is fine, the mismatch is cosmetic.”
But that’s not how roofing systems work, and it’s not what Florida law supports.
When a storm tears off shingles, damages underlayment, or breaks the waterproof seal, the repair can’t simply be “patched.” If the repair violates manufacturer installation instructions or local building codes, the insurer must pay for the entire roof replacement.
This is where public adjusters like Panther Public Adjusting step in. We gather manufacturer specs, code references, and inspection reports that prove a partial repair won’t restore your home to pre-loss condition, forcing the insurer to pay for what’s rightfully owed.
⚖️ Florida Law Protects Homeowners, But You Need to Enforce It
Under Florida Statute §626.9744, insurance companies must make reasonable repairs that result in a “reasonably uniform appearance”. That means if your roof, siding, or flooring can’t be matched with available materials, the insurer must cover full replacement.
Unfortunately, most carriers don’t volunteer that information. They rely on homeowners not knowing their rights.
At Panther Public Adjusting, our job is to enforce those rights, through evidence, documentation, and negotiation. We don’t take “matching exclusion” at face value; we investigate what it really means for your property’s safety and appearance.
If you think your insurer underpaid your claim, don’t wait.
👉 Call us now at 833-726-8437 for a free claim review.
🏚️ Denied Doesn’t Mean Done
Too many homeowners believe that a denial letter is the end of the road. But with Panther Public Adjusting, a denied claim is often just the beginning.
We reopen claims all the time using new documentation, better photos, engineering reports, and manufacturer specifications that the insurance company’s field adjuster ignored.
For example:
- A Sarasota homeowner was denied for “wear and tear.” Our inspection showed wind uplift damage from Hurricane Ian and they received full replacement.
- In Palmetto, a client’s roof was partially approved under “matching exclusion.” We proved the material was discontinued and not code-compliant, forcing the insurer to pay for the entire roof.
Denied does not mean defeated. It just means the fight isn’t over yet and we know how to win it.
If your claim was denied, email your policy and denial letter to Claims@PantherPA.com for a free re-evaluation by our experts.
💼 Why Hiring a Public Adjuster Changes Everything
Insurance companies are masters at minimizing payouts. Their adjusters work for them, not you. A licensed public adjuster, on the other hand, represents you, the policyholder.
Here’s what we do that the insurance company won’t:
- Conduct full inspections of every inch of damage
- Compare your policy language with Florida building code
- Bring in experts to document hidden damage
- Challenge underpaid or denied claims
- Negotiate directly with the carrier for maximum compensation
At Panther Public Adjusting, we only get paid when you do, meaning we’re motivated to get you every dollar you deserve.
🧠 Real Expertise Backed by Real Results
Mendy from My Insurance Claim Expert, powered by Panther Public Adjusting, has helped countless Florida homeowners understand their rights and navigate the claim process with confidence.
Through our educational platform and YouTube series, we show homeowners how to:
- Spot insurance tricks like the matching exclusion
- Understand policy loopholes
- Identify valid code upgrades and replacement requirements
Visit our channel, My Insurance Claim Expert on YouTube, to watch homeowner success stories, expert claim breakdowns, and step-by-step guides on how to protect your property from insurance company tactics.
(Find it easily by searching “My Insurance Claim Expert” on YouTube.)
🌴 Florida Cities We Proudly Serve
From Venice to Tampa, St. Petersburg to Englewood, our team has helped thousands of homeowners maximize their hurricane insurance claims.
We fight for homeowners across Florida including:
- Englewood’s trusted public adjusters fighting for your maximum payout
- Palmetto’s leading public adjusters — we fight for your maximum settlement
- St. Petersburg’s top public adjusters — get the payout you deserve
Our reach extends throughout the state and our reputation speaks for itself.
🛠️ Related Reading for Florida Homeowners
Keep learning how to protect your property and avoid common insurance pitfalls:
- Learn how to protect your rights after a storm in Surviving the Storm: What You Should Do After a Hurricane
- Discover hidden hurricane claim secrets in Don’t Miss Out: You Must Know These Hurricane Claim Tips
- Understand recorded statement traps in How You Can Avoid Common Pitfalls in Your Insurance Recorded Statement
These resources empower Florida homeowners to fight back, before it’s too late.
💬 What to Do Right Now
If your roof was damaged, your insurer mentioned “matching exclusion,” or your claim was denied, don’t wait.
Take action now:
📞 Call us at 833-726-8437 for a free inspection and policy review.
📧 Email Claims@PantherPA.com with your denial letter or estimate.
💻 Visit PantherPA.com/#contact to schedule your free consultation online.
You don’t pay us unless we recover more money for you.
💪 Final Thoughts
Insurance companies love hiding behind technical language like “matching exclusions,” but the truth is simple: if your property can’t be restored to a uniform, code-compliant condition, you’re entitled to full replacement.
You shouldn’t have to settle for half repairs or mismatched shingles just because your insurer says so.
Let Panther Public Adjusting handle the fight and make sure your home is rebuilt right.
Because your home deserves more than patchwork repairs and fine print excuses.
🔗 Stay Connected & Learn More
Check out My Insurance Claim Expert on YouTube for weekly videos from Mendy, breaking down real claim scenarios and showing homeowners how to get paid what they’re owed.
Join the conversation in our Facebook community, Anything About Property Insurance Claims 101, where Florida homeowners share tips, experiences, and expert advice on navigating claims.
📞 Get Started Today
👉 Call us: 833-726-8437
📧 Email: Claims@PantherPA.com
💻 Contact form: PantherPA.com/#contact
🧠 Frequently Asked Questions (FAQs)
1. What does “matching exclusion” mean in a hurricane insurance claim?
A matching exclusion is a clause some insurance companies use to avoid paying for full replacements. After a hurricane, they may claim they’ll only replace the damaged portion of your roof or siding, not the entire structure because the rest is “cosmetic.” However, under Florida law and building codes, if a repair cannot match existing materials or violates installation standards, the insurer must pay for a full replacement. A public adjuster can help enforce this.
2. Can I reopen my denied hurricane claim if it was marked as wear and tear?
Yes! A denied claim is not the end. Public adjusters regularly reopen denied claims by presenting new evidence such as engineering reports, code references, and documentation that proves the real cause of loss was wind or storm damage, not normal wear. Panther Public Adjusting has successfully overturned many denials across Florida by uncovering overlooked or ignored damage.
3. Why should I hire a public adjuster instead of handling my claim myself?
Insurance companies have their own adjusters who protect their bottom line, not yours. A licensed public adjuster represents you, not the insurer. Panther Public Adjusting inspects your property thoroughly, documents hidden damage, negotiates with the carrier, and ensures your repairs meet manufacturer and code requirements. Most importantly, you don’t pay unless we win you more money.
✅ Mendy with My Insurance Claim Expert, brought to you by Panther Public Adjusting
🦅 Florida’s trusted advocates for homeowners fighting unfair insurance claims.