Are you a homeowner who has recently experienced some siding damage due to hail, storm, or wind? If so, you may be wondering if your homeowner’s insurance will cover the cost of replacing or repairing your siding. The short answer is that it could. But it’s important to understand exactly how homeowners’ insurance works when it comes to covering damage to siding.
How Homeowners Insurance Works for Siding Damage
A typical homeowners policy’s dwelling coverage may pay for damage from a severe storm to your home’s structure and anything permanently attached to it, including damaged siding. The amount paid out by the policy would depend on its limits as well as the amount of your deductible.
It’s important to note that insurance companies will typically only cover damages caused by a “covered peril”. These are often categorized as hail, storm, and wind damage. Any other kind of damage—such as wear and tear—will not be covered by standard homeowners’ insurance policies. In addition, certain types of siding material do not qualify for coverage under most standard policies; check with your insurer to understand which materials are eligible for coverage.
It’s also important to consider deductibles when it comes to filing an insurance claim for damaged siding. You will need to pay out-of-pocket up front based on the deductible amount listed in your policy before any payment is made by your insurer.
What To Do If You Experience Siding Damage
If you experience any form of damage to your siding—whether from a covered peril or otherwise—it is important that you take steps immediately in order protect yourself from further losses. Take photos or videos of the damage and contact an experienced contractor who can provide an estimate for repairs or replacement costs; these documents can help if you decide to file an insurance claim later on. Make sure all contact information is correct and provide detailed descriptions of what happened leading up to the incident.
Understanding how homeowners’ insurance covers damages caused by hail, storm, and wind can help you make an informed decision about filing a claim if you experience siding damage on your property. While it’s important to act quickly if any type of damage occurs, remember that not all damages may be eligible for coverage.
With this information in hand, you can rest assured knowing that you have everything needed when it comes time to file a claim should your home ever suffer any form of siding-related damage in the future!
If you’re in the market for new siding, read our blog “How Much Will New Siding Cost?” for more in depth information on the costs, and lifespan associated with each type of siding!
Turn to the Pros at Shelter Construction
At Shelter, we perform free inspections and consultations. We will perform minor repairs during the examination to small damage that we find. Call us at 612-284-6985 or schedule an inspection today on our website!