Attempting to match replacement shingles to shingles undamaged by the reported loss event can be challenging and expensive. (Shutterstock)

The judges of the Eighth Circuit recently reversed a district court ruling that an insurer was obligated to replace the policyholder’s entire roof to ensure the shingles would match.

The roof on Thomas and Annette's Noonans’ Minnesota house was damaged in a severe thunderstorm. At the time of the damage, the Noonans had a “Gold Star Special Deluxe Form” policy with American Family. A “Gold Star Homeowners Amendatory Endorsement” was attached to the policy in 1999, which completely replaced the policy’s loss valuation clause.

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