Challenges arise with matching property damage repairs

If the policy covers replacement costs, the carrier owes for restoring what the insured had pre-loss, even after a severe weather event. (AP Photo/Nati Harnik)

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Question: I have a claim in Illinois and the insured has an HO-0005.  The public adjuster is stating since we can’t match the siding we owe for the whole re-siding of the home regardless of damage. They are referring to page 14 of 22 where it states: