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

Is Siding Damage Covered By Homeowners Insurance
Is Siding Damage Covered by Homeowner's Insurance?

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.

We hoped you loved this article on if siding damaged is covered by homeowner's insurance, please share and tune in for more siding content!

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Susan Sellers
Susan Sellers
The Woodlands, TX
Read More
"I called Mr Happy House after reading the great reviews, and I was not disappointed! Mike and his crews are extremely professional and conscientious. They performed various outdoor repairs including power washing, repaired my Hardie Siding, repaired squirrel damage on the roof, and painted my entire house. Mike oversaw every aspect of the job and made sure everything was perfect. The price was very reasonable, and I will definitely be calling Mr Happy House for future jobs!"
Liz Blasingame
Liz Blasingame
The Woodlands, TX
Read More
"Mike has been great at getting our siding and trim repaired on the exterior of our house. He was very thorough and the completed work is fantastic."
Dior Xu
Dior Xu
The Woodlands, TX
Read More
"2nd time work with Mike and his wonderful crew. They worked so hard to paint our whole house perfectly. We are so impressed with how fast and how flawless they got the job done. We really appreciate all of them! Yay for Mike and Mr. Happy House!"
Ashley Donaldson
Ashley Donaldson
Spring, TX
Read More
"Mike was great to work with. He explained all that needed to be done to install a quality roof that would last. Had other quotes but other contractors were not as informative and did not include everything that was needed. Mike’s crew was courteous, did an excellent job and completed the work in a timely fashion. If you are not familiar with working with insurance adjusters be sure Mike meets with them when you set up a meeting. This was helpful in my case and made the claims process run smoothly. I am very pleased 😀 with his service and recommend him to my neighbors of which two have used him across from my home."
Bradley Faldyn
Bradley Faldyn
Spring, TX
Read More
"Mike and his crew are top notch. Honest and detail oriented. Customer satisfaction and high quality workmanship are outstanding!!! Very satisfied with our new roof!!!"
Mark Rodrigues
Mark Rodrigues
The Woodlands, TX
Read More
"My house needed new siding, soffits, and fascia. After seeing another job Mike had done, I requested an estimate. The pricing was fair to me, so he went to work. Everything was completed with Hardie products. The house was painted to my desires and I can honestly say I am more than happy. He paid great attention to the details and ensured the work was of the highest quality. The next time I need work done, I will be contacting Mr. Happy House."
Bradley Utz
Bradley Utz
Tomball, TX
Read More
"Very impressive! I needed to have my house roof replaced. I am very glad, very grateful, and very satisfied that I chose Mr. Happy House for this job in July 2018. The crew was thorough in planning, removing old shingles, hammering new ones, examining the roof for trouble spots and attending to them on-the-spot, and cleaning up as the work completed. Mike Monyak and his entire team are professional, attentive, fair, competent and courteous; they did exceptionally well what they contracted to do. I trusted my roof upgrade with Mr. Happy House and will confidently use this company as the need arises in the future."
Ken Baird
Ken Baird
Conroe, TX
Read More
"I had Mr. Happy House replace my wood siding with Hardy Plank Siding. Mike and his team did an excellent job replacing the siding and with the great paint job. They offered great suggestions and really paid attention to detail. I highly recommend Mr. Happy House! Nice job and thank you Mike and taam! Ken B"
Brittney Duffy
Brittney Duffy
The Woodlands, TX
Read More
"Mike with Mr. Happy House has been our go-to contractor in The Woodlands for 10-15 years. Hiring a contractor can be anxiety-provoking, but Mike is a true professional. It is always a relief knowing the work will be done right the first time. Mike also takes the time to listen and is very thorough in explaining what needs to be done and offering alternative options available. Over the years, we’ve been so happy with Mike’s services that we’ve hired Mr. Happy House for fencing, roof replacement, fascia and soffit replacement, rotted exterior window frame replacement, exterior house painting, pressure washing, and other home maintenance. If you’re looking for a professional, knowledgeable contractor, don’t hesitate to give Mike with Mr. Happy House a call!"
Misty Hanna
Misty Hanna
The Woodlands, TX
Read More
"Mike was awesome. He came out quickly, listened to what we wanted done and came back with a very comprehensive quote for us. He gave us the time we needed without being pushy to decided if this was the right move for us. He was upfront and honest about what needed to be done and the cost. He and his crew worked quickly, efficiently and did a great job. I highly recommend if you need work done to give him a call."
Jeremy C.
Jeremy C.
The Woodlands, TX
Read More
"Very great work, Mike has been very helpful in fixing the damages on the outside of my house and they have done a great job in painting my garage's exterior. Mike was able to answer all of my questions regarding the problems that needed to get fixed. Mr. Happy House has repaired the damages on my house and also made my house look very nice too. I will definitely recommend him my neighbors."
Mike Sorenson
Mike Sorenson
The Woodlands, TX
Read More
"I called Mike to help fix a leak in my ceiling. He diagnosed the problem and also quoted replacing the remaining aging wood we had on our house, as well as replace the chimney top. His quote was fair so we decided to knock it all out. His team is professional and finished the job quickly. He also fixed my fence gate and power washed my driveway, patio and sidewalk along with the house. I plan to use him in the future for other projects."
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Susan Sellers
Susan Sellers
The Woodlands, TX
Read More
"I called Mr Happy House after reading the great reviews, and I was not disappointed! Mike and his crews are extremely professional and conscientious. They performed various outdoor repairs including power washing, repaired my Hardie Siding, repaired squirrel damage on the roof, and painted my entire house. Mike oversaw every aspect of the job and made sure everything was perfect. The price was very reasonable, and I will definitely be calling Mr Happy House for future jobs!"
Liz Blasingame
Liz Blasingame
The Woodlands, TX
Read More
"Mike has been great at getting our siding and trim repaired on the exterior of our house. He was very thorough and the completed work is fantastic."
Dior Xu
Dior Xu
The Woodlands, TX
Read More
"2nd time work with Mike and his wonderful crew. They worked so hard to paint our whole house perfectly. We are so impressed with how fast and how flawless they got the job done. We really appreciate all of them! Yay for Mike and Mr. Happy House!"
Ashley Donaldson
Ashley Donaldson
Spring, TX
Read More
"Mike was great to work with. He explained all that needed to be done to install a quality roof that would last. Had other quotes but other contractors were not as informative and did not include everything that was needed. Mike’s crew was courteous, did an excellent job and completed the work in a timely fashion. If you are not familiar with working with insurance adjusters be sure Mike meets with them when you set up a meeting. This was helpful in my case and made the claims process run smoothly. I am very pleased 😀 with his service and recommend him to my neighbors of which two have used him across from my home."
Bradley Faldyn
Bradley Faldyn
Spring, TX
Read More
"Mike and his crew are top notch. Honest and detail oriented. Customer satisfaction and high quality workmanship are outstanding!!! Very satisfied with our new roof!!!"
Mark Rodrigues
Mark Rodrigues
The Woodlands, TX
Read More
"My house needed new siding, soffits, and fascia. After seeing another job Mike had done, I requested an estimate. The pricing was fair to me, so he went to work. Everything was completed with Hardie products. The house was painted to my desires and I can honestly say I am more than happy. He paid great attention to the details and ensured the work was of the highest quality. The next time I need work done, I will be contacting Mr. Happy House."
Bradley Utz
Bradley Utz
Tomball, TX
Read More
"Very impressive! I needed to have my house roof replaced. I am very glad, very grateful, and very satisfied that I chose Mr. Happy House for this job in July 2018. The crew was thorough in planning, removing old shingles, hammering new ones, examining the roof for trouble spots and attending to them on-the-spot, and cleaning up as the work completed. Mike Monyak and his entire team are professional, attentive, fair, competent and courteous; they did exceptionally well what they contracted to do. I trusted my roof upgrade with Mr. Happy House and will confidently use this company as the need arises in the future."
Ken Baird
Ken Baird
Conroe, TX
Read More
"I had Mr. Happy House replace my wood siding with Hardy Plank Siding. Mike and his team did an excellent job replacing the siding and with the great paint job. They offered great suggestions and really paid attention to detail. I highly recommend Mr. Happy House! Nice job and thank you Mike and taam! Ken B"
Brittney Duffy
Brittney Duffy
The Woodlands, TX
Read More
"Mike with Mr. Happy House has been our go-to contractor in The Woodlands for 10-15 years. Hiring a contractor can be anxiety-provoking, but Mike is a true professional. It is always a relief knowing the work will be done right the first time. Mike also takes the time to listen and is very thorough in explaining what needs to be done and offering alternative options available. Over the years, we’ve been so happy with Mike’s services that we’ve hired Mr. Happy House for fencing, roof replacement, fascia and soffit replacement, rotted exterior window frame replacement, exterior house painting, pressure washing, and other home maintenance. If you’re looking for a professional, knowledgeable contractor, don’t hesitate to give Mike with Mr. Happy House a call!"
Misty Hanna
Misty Hanna
The Woodlands, TX
Read More
"Mike was awesome. He came out quickly, listened to what we wanted done and came back with a very comprehensive quote for us. He gave us the time we needed without being pushy to decided if this was the right move for us. He was upfront and honest about what needed to be done and the cost. He and his crew worked quickly, efficiently and did a great job. I highly recommend if you need work done to give him a call."
Jeremy C.
Jeremy C.
The Woodlands, TX
Read More
"Very great work, Mike has been very helpful in fixing the damages on the outside of my house and they have done a great job in painting my garage's exterior. Mike was able to answer all of my questions regarding the problems that needed to get fixed. Mr. Happy House has repaired the damages on my house and also made my house look very nice too. I will definitely recommend him my neighbors."
Mike Sorenson
Mike Sorenson
The Woodlands, TX
Read More
"I called Mike to help fix a leak in my ceiling. He diagnosed the problem and also quoted replacing the remaining aging wood we had on our house, as well as replace the chimney top. His quote was fair so we decided to knock it all out. His team is professional and finished the job quickly. He also fixed my fence gate and power washed my driveway, patio and sidewalk along with the house. I plan to use him in the future for other projects."
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