{"id":30231,"date":"2021-10-14T10:39:27","date_gmt":"2021-10-14T14:39:27","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=30231"},"modified":"2021-10-14T10:39:27","modified_gmt":"2021-10-14T14:39:27","slug":"is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/","title":{"rendered":"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching?"},"content":{"rendered":"

A lawsuit by Olympus Insurance Company<\/a> challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a repair. The lawsuit also challenges whether the Florida matching statute is a minimum limit of indemnity and if insurers can contract out of matching.<\/p>\n

A big shout-out from all Florida policyholders should go to Insurance Commissioner David Altmaier<\/a> and his staff at the Office of Insurance Regulation (OIR) for standing up to Olympus and not approving the policy form. On July 22, 2021, Jamilynn Pettiway, the OIR\u2019s Assistant General Counsel, declared that \u201cthe statute provides a minimum acceptable level of coverage that is to be provided.\u201d Insurance underwriters are increasingly making requests for changes to property insurance policy forms that pay less and make greater insurance gaps of coverage for otherwise unsuspecting policyholders. Florida\u2019s OIR staff has a vital role in catching these changes that are not found in standard special form insurance policies.<\/p>\n

Here is Florida\u2019s Matching Statute:<\/p>\n

626.9744\u2003Claim settlement practices relating to property insurance.\u2014Unless otherwise provided by the policy, when a homeowner\u2019s insurance policy provides for the adjustment and settlement of first-party losses based on repair or replacement cost, the following requirements apply:<\/p>\n

(1)\u2003When a loss requires repair or replacement of an item or part, any physical damage incurred in making such repair or replacement which is covered and not otherwise excluded by the policy shall be included in the loss to the extent of any applicable limits. The insured may not be required to pay for betterment required by ordinance or code except for the applicable deductible, unless specifically excluded or limited by the policy.<\/p>\n

(2)\u2003When a loss requires replacement of items and the replaced items do not match in quality, color, or size, the insurer shall make reasonable repairs or replacement of items in adjoining areas. In determining the extent of the repairs or replacement of items in adjoining areas, the insurer may consider the cost of repairing or replacing the undamaged portions of the property, the degree of uniformity that can be achieved without such cost, the remaining useful life of the undamaged portion, and other relevant factors.<\/p>\n

(3)\u2003This section shall not be construed to make the insurer a warrantor of the repairs made pursuant to this section.<\/p>\n

(4)\u2003Nothing in this section shall be construed to authorize or preclude enforcement of policy provisions relating to settlement disputes.<\/p><\/blockquote>\n

Olympus argues that the \u201cunless otherwise provided\u201d language requires the OIR to approve its form, which would reduce the statute\u2019s requirements and place a 1% limit for matching costs.<\/p>\n

In Matching Protections for Hurricane Irma Claims in Florida<\/em><\/a>, it was noted that the National Association of Insurance Commissioners adopted a new section to its model regulations relating to unfair claims practices as it relates to matching:<\/p>\n

A. When the policy provides for the adjustment and settlement of first-party losses based on replacement cost, the following shall apply:<\/p>\n

***<\/p>\n

(2) When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace all such items in the area so as to conform to a reasonably uniform appearance. This applies to interior and exterior losses. The insured shall not bear any cost over the applicable deductible, if any.<\/p><\/blockquote>\n

Olympus Insurance Company is asking the Florida OIR to condone what every insurance company should be on notice is an unfair claims practice and giving it a competitive advantage over how other insurance companies pay their policyholders. Cheers to the OIR staff for standing up against this!<\/p>\n

Thought For The Day<\/strong><\/p>\n

There is certainly a role for regulation, but regulation should always take into account the impact that it has on markets, a balance that must be constantly weighed.<\/strong><\/em>
\n\u2014Jerome Powell<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a repair. The lawsuit also challenges whether the Florida matching statute is a minimum limit of indemnity and if insurers can contract out of matching.<\/p>\n","protected":false},"author":11,"featured_media":29253,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[20],"tags":[8,175,129],"class_list":["post-30231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-florida","tag-consumer-protection","tag-matching","tag-office-of-insurance-regulation"],"acf":[],"yoast_head":"\nIs Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching? | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"October 14, 2021 A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching? | Property Insurance Coverage Law Blog\" \/>\n<meta property=\"og:description\" content=\"October 14, 2021 A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Insurance Coverage Law Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MerlinLawGroup\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-14T14:39:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"1800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chip Merlin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:site\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chip Merlin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\"},\"author\":{\"name\":\"Chip Merlin\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37\"},\"headline\":\"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching?\",\"datePublished\":\"2021-10-14T14:39:27+00:00\",\"dateModified\":\"2021-10-14T14:39:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\"},\"wordCount\":642,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg\",\"keywords\":[\"Consumer Protection\",\"Matching\",\"Office of Insurance Regulation\"],\"articleSection\":[\"Florida\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\",\"name\":\"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching? | Property Insurance Coverage Law Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg\",\"datePublished\":\"2021-10-14T14:39:27+00:00\",\"dateModified\":\"2021-10-14T14:39:27+00:00\",\"description\":\"October 14, 2021 A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a\",\"breadcrumb\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg\",\"contentUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg\",\"width\":1200,\"height\":1800,\"caption\":\"Florida Insurance Commissioner David Altmaier\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"name\":\"Property Insurance Coverage Law Blog\",\"description\":\"The Policyholder's Advocate\u00ae\",\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"alternateName\":\"Merlin Law Group Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\",\"name\":\"Merlin Law Group\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png\",\"contentUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png\",\"width\":1100,\"height\":285,\"caption\":\"Merlin Law Group\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/MerlinLawGroup\/\",\"https:\/\/x.com\/MerlinLawGroup\",\"https:\/\/youtube.com\/merlinlawgroup\",\"https:\/\/www.linkedin.com\/company\/merlin-law-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37\",\"name\":\"Chip Merlin\",\"description\":\"Since 1983, Chip Merlin has served as a plaintiff\u2019s attorney with a focus on commercial & residential property insurance claim disputes and bad faith insurance litigation. Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide. Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association. Read More...\",\"sameAs\":[\"https:\/\/www.merlinlawgroup.com\/attorneys\/william-f-chip-merlin-jr-esq\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching? | Property Insurance Coverage Law Blog","description":"October 14, 2021 A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/","og_locale":"en_US","og_type":"article","og_title":"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching? | Property Insurance Coverage Law Blog","og_description":"October 14, 2021 A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a","og_url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/","og_site_name":"Property Insurance Coverage Law Blog","article_publisher":"https:\/\/www.facebook.com\/MerlinLawGroup\/","article_published_time":"2021-10-14T14:39:27+00:00","og_image":[{"width":1200,"height":1800,"url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg","type":"image\/jpeg"}],"author":"Chip Merlin","twitter_card":"summary_large_image","twitter_creator":"@MerlinLawGroup","twitter_site":"@MerlinLawGroup","twitter_misc":{"Written by":"Chip Merlin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#article","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/"},"author":{"name":"Chip Merlin","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37"},"headline":"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching?","datePublished":"2021-10-14T14:39:27+00:00","dateModified":"2021-10-14T14:39:27+00:00","mainEntityOfPage":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/"},"wordCount":642,"commentCount":0,"publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage"},"thumbnailUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg","keywords":["Consumer Protection","Matching","Office of Insurance Regulation"],"articleSection":["Florida"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/","name":"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching? | Property Insurance Coverage Law Blog","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage"},"thumbnailUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg","datePublished":"2021-10-14T14:39:27+00:00","dateModified":"2021-10-14T14:39:27+00:00","description":"October 14, 2021 A lawsuit by Olympus Insurance Company challenges Florida\u2019s Office of Insurance Regulation about issues of paying for property that matches following a","breadcrumb":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#primaryimage","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg","contentUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/Altmaier_David-1.jpg","width":1200,"height":1800,"caption":"Florida Insurance Commissioner David Altmaier"},{"@type":"BreadcrumbList","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/is-floridas-matching-statute-a-minimum-limit-of-required-indemnity-or-can-insurers-contract-out-of-matching\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.propertyinsurancecoveragelaw.com\/"},{"@type":"ListItem","position":2,"name":"Is Florida\u2019s Matching Statute a Minimum Limit of Required Indemnity or Can Insurers Contract Out of Matching?"}]},{"@type":"WebSite","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","name":"Property Insurance Coverage Law Blog","description":"The Policyholder's Advocate\u00ae","publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"alternateName":"Merlin Law Group Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.propertyinsurancecoveragelaw.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization","name":"Merlin Law Group","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png","contentUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png","width":1100,"height":285,"caption":"Merlin Law Group"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MerlinLawGroup\/","https:\/\/x.com\/MerlinLawGroup","https:\/\/youtube.com\/merlinlawgroup","https:\/\/www.linkedin.com\/company\/merlin-law-group\/"]},{"@type":"Person","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37","name":"Chip Merlin","description":"Since 1983, Chip Merlin has served as a plaintiff\u2019s attorney with a focus on commercial & residential property insurance claim disputes and bad faith insurance litigation. Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide. Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association. Read More...","sameAs":["https:\/\/www.merlinlawgroup.com\/attorneys\/william-f-chip-merlin-jr-esq\/"]}]}},"_links":{"self":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/30231","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/comments?post=30231"}],"version-history":[{"count":0,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/30231\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/media\/29253"}],"wp:attachment":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/media?parent=30231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/categories?post=30231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/tags?post=30231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}