Does Homeowners Insurance Cover Siding Damage?

Posted on May 4, 2023


Hayden Haskins | author

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ICHQ | Site Author

When strong winds, hail, or other types of severe weather hit, your home’s siding may sustain damage. Not only can this affect the aesthetic appeal of your home, but it can also cause further problems if left unrepaired.

If you’re wondering whether your homeowners insurance covers siding damage, the homeowners insurance claim attorneys at Insurance Claim HQ want to help.

Siding Replacement and Insurance Policies

Homeowners insurance policies differ in their coverage, so it’s important to review your specific policy to see what’s covered. Most policies provide coverage for perils or causes of loss, such as windstorms, hail, and fire.

If your siding is damaged due to a covered peril, then your insurance policy may cover the cost of repairs or replacement.

It’s worth noting that some policies may have exclusions for certain types of siding materials or certain types of damage. For example, if your siding was damaged due to a lack of maintenance or wear and tear, your insurance policy may not cover the cost of repairs or replacement. That’s why it’s essential to review your policy and understand what’s covered and what’s excluded.

Mismatched Siding and Louisiana Regulations

If your homeowners insurance policy covers the cost of siding replacement, you may be wondering what will happen if the replaced siding doesn’t match the rest of your home.

In Louisiana, insurers are required to make a reasonable effort to match any damaged property with materials of like kind and quality. If your insurer can’t find a match, they may be required to replace the undamaged portions of your siding to ensure a uniform appearance.

Filing a Claim for Siding Damage

If your siding has sustained damage, the first step is to document the damage with photos and contact your insurance company to file a claim. An adjuster will be assigned to evaluate the damage and determine if it’s covered under your policy. If it is, the adjuster will provide an estimate of the cost to repair or replace your siding.

It can be helpful to work with a homeowners insurance claim attorney to navigate the claims process. They can help you file the claim, provide documentation, and negotiate with the insurance company on your behalf.

Contact Our Experienced Legal Team Today

If your home has sustained siding damage, the experienced legal professionals at Insurance Claim HQ can help you navigate the claims process and ensure that you receive the compensation you deserve. Contact us today to schedule a consultation and learn how we can help.

FAQs About Insurance and Siding Damage

What does damaged siding look like?

It depends on what the siding material is. Cracks are a telltale sign of siding damage but discoloration, dents, and missing pieces may be signs of siding damage.

How many years should siding last?

Generally, a home’s siding should last for several decades. Damage from covered perils cuts siding’s longevity short, and is often grounds for replacement.