diff --git a/unpack-trees.c b/unpack-trees.c
index 07f8364244..e22b9ec408 100644
--- a/unpack-trees.c
+++ b/unpack-trees.c
@@ -1166,11 +1166,22 @@ static int verify_uptodate_1(struct cache_entry *ce,
 {
 	struct stat st;
 
-	if (o->index_only || (!((ce->ce_flags & CE_VALID) || ce_skip_worktree(ce)) && (o->reset || ce_uptodate(ce))))
+	if (o->index_only)
+		return 0;
+
+	/*
+	 * CE_VALID and CE_SKIP_WORKTREE cheat, we better check again
+	 * if this entry is truly up-to-date because this file may be
+	 * overwritten.
+	 */
+	if ((ce->ce_flags & CE_VALID) || ce_skip_worktree(ce))
+		; /* keep checking */
+	else if (o->reset || ce_uptodate(ce))
 		return 0;
 
 	if (!lstat(ce->name, &st)) {
-		unsigned changed = ie_match_stat(o->src_index, ce, &st, CE_MATCH_IGNORE_VALID|CE_MATCH_IGNORE_SKIP_WORKTREE);
+		int flags = CE_MATCH_IGNORE_VALID|CE_MATCH_IGNORE_SKIP_WORKTREE;
+		unsigned changed = ie_match_stat(o->src_index, ce, &st, flags);
 		if (!changed)
 			return 0;
 		/*