Is Siding Damage Covered by Homeowner's Insurance? | Mr. Happy House

Style and practicality go hand-in-hand when you add new siding to your home, however if you have damaged siding, you’re probably wondering whether or not if siding damage is covered by homeowner’s insurance.

The short answer to this is that it depends. With the right type of siding and correct installation, your siding should last for several decades, and your siding may only need to be repaired if there is significant damage. Poorly installed siding may allow water to enter your home, potentially causing mold or foundation problems.

Despite its durability and long life, siding can be damaged in some circumstances. The siding on the house may become dented, cracked, broken, or even ripped off with strong winds, flying debris, or hail. If your siding is damaged, you should replace it immediately so that your house can be protected from the weather.

Does Homeowners Insurance Cover Siding Damage?

Taking care of and maintaining your siding is important, but sometimes there are things nature calls for that you cannot prepare for. Luckily, homeowners insurance covers these unforeseen events. There are several types of damages that homeowners insurance can cover.

You will most likely get the coverage you need to pay for siding repairs if the type of damage that was made to your siding is specified in your policy. Several perils are covered in insurance policies, including hail, fire, strong wind, lightning strikes, falling objects, etc. Homeowners policies typically cover the following perils:

Wind Damage to Siding

If a high wind blows, you might find some pieces of roofing shingles ripped from your roof, damaging your siding and even broken pieces of siding. This type of damage is typically covered by homeowners insurance. Additionally, wind-driven rain or snow can also be covered when a roof is damaged.

Hail Damage to Siding

There are many times throughout the year when hail damage occurs to the roof and siding on your home. Hail damage appears as dents, cracks, and holes in your siding. Most homeowner insurance policies also cover hail damage.

Fire Damage to Siding

Fire damage is a major problem for many houses today in terms of fire resistance. Replacing your siding is the best solution if you have siding damage from the fire. You can get insurance coverage in case of fire damage.

Almost all homeowners insurance policies include coverage for siding damage. As long as the damage was caused by one of your insurance’s covered perils, your insurer is responsible for paying for the repairs. Their responsibility is to replace the siding if it is damaged beyond repair.

If your homeowner’s insurance policy covers siding damage and replacement, you should know exactly how to proceed. Consequently, you will be able to protect your siding from unexpected damage.

Is Mismatched Siding Damage Covered?

Your homeowner’s policy may only replace one side of your home’s siding if only one side is damaged. This is not a problem most of the time, but if the company that made your siding no longer exists, it can be a problem. As a result, your home will have a totally different appearance since you’re putting on a different siding.

In many cases, however, the siding on the entire house may be covered by the homeowner’s insurance. Since some siding is several years old, matching the color and material can be challenging.

When purchasing homeowner insurance, you should carefully review your policy. Some policies cover matching coverage, but not all of them. Therefore, it is advisable to research before buying a homeowner’s policy to ensure you are covered for mismatch damage. In this way, you will be able to see whether your policy handles mismatches. Your agent can also help you determine whether this applies to your policy.

When Does Homeowner's Insurance Not Cover Siding Damage?

Typical homeowner’s insurance policies do not cover wear and tear over the years or gradual fading in color to the siding caused by the sun. Homeowners are responsible for taking care of normal damages to their houses, and the insurer has no obligation to pay for them. When damage exceeds the peril stated in your policy, the insurance company is not responsible for paying you.

As a homeowner, you should take good care of your house and keep it in good condition. Regular pressure washing is a good way to keep the siding on your home in good condition and identify any issues early on. Homeowners’ insurance should not be used as an excuse for neglecting your home.

Conclusion

Homeowner’s insurance policies usually cover Weather-related siding damage if it can be proven that the weather caused it. It is highly recommended that you take pictures of storm damage to your siding and record the date and time of the event. If your siding has been damaged, you should file an insurance claim as soon as possible.

You also need to carefully examine your insurance policy to determine whether the damage is covered. Insurance companies may include exclusions in an attempt to limit their liability. You should ensure that your claim is valid. The idea of claiming cosmetic damages such as chipped paint on aluminum siding is not good. This may result in a rise in your monthly insurance premium.

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