Month: October 2025

 

Article Courtesy of East Coast Current

At Trust Public Adjusting Group, we’ve always believed that knowledge is power. That’s why we offer free property inspections and free insurance policy reviews to our community. Too often, policyholders only discover limitations in their coverage after they’ve suffered a loss—by then, it’s usually too late.

WHAT THE 1% MATCHING LIMIT CLAUSE REALLY MEANS

One of the biggest changes we’ve been seeing lately is the 1% matching limit clause. At first glance, it might not seem like much. But here’s what it really means: if you suffer damage to your roof, siding, or flooring, your insurance company may only be required to replace a portion that equals 1% of your Coverage A (Dwelling) limits—not the full repair or replacement.

For example, if your home is insured for $300,000 under Coverage A, the insurance company may only owe up to $3,000 to “match” repairs. Anyone who has ever dealt with roofing or flooring knows $3,000 doesn’t come close to restoring your home to its pre-loss condition. Instead of being made whole, you’re left holding the bill.

I can say with confidence: most homeowners would never knowingly agree to this if it was fully explained at renewal. Yet these provisions are quietly added into policies, and many policyholders only realize it when a claim is denied or underpaid.

That’s why our policy review service has become more important than ever. We carefully go through your coverage, flag hidden provisions like the 1% matching limit, and explain them in plain language so you understand what you’re really paying for, and most importantly, how you can change it before you are stuck with it.

And since we’re already on-site, we’ll also complete a free property inspection. This protects you by documenting the current condition of your home, which can be invaluable when an insurance company tries to argue that damages were “pre-existing.”

At Trust Public Adjusting Group, our mission is simple: to protect homeowners, business owners, and property investors from being blindsided by insurance company fine print.

Don’t wait until after the storm. Call us today for your free inspection and policy review. It’s the easiest step you can take toward peace of mind—and making sure your insurance actually works when you need it most.

3 REASONS TO GET A POLICY REVIEW NOW

1. Hidden Policy Changes
   Insurance companies often add provisions (like the 1% matching limit) at renewal without explaining them. These can drastically reduce what you’re owed.
2. Protect Your Pocketbook
   Without a review, you could be left paying tens of thousands out of pocket after a loss. A quick check now can save you from expensive surprises later.
3. Free + Local Expertise
   Trust Public Adjusting Group offers free property inspections and policy reviews right here in our community. We’ll explain your coverage in plain language and make sure you’re prepared.