How To Get Siding Replaced By Insurance
Replacing siding can be a significant expense for many homeowners, but in some cases, your insurance might be able to cover the cost! Getting siding replaced by insurance can sometimes be complicated and hairy, but with the right knowledge and approach, it’s possible to upgrade your home’s exterior without breaking the bank.
What Kind of Siding Damage is Typically Covered by Insurance?
Homeowners insurance typically covers a range of siding damage caused by covered risks such as hailstorms, wind, fire, or water damage. When the home’s siding is damaged due to these events, homeowners can often file an insurance claim to help cover the cost of repairs or replacement.
- What Kind of Siding Damage is Typically Covered by Insurance?
- Insurance Coverage Will Typically Cover Storm Damage, etc.
- Hail or Wind Damage
- Fire or Smoke Damage
- Water Damage from Burst Pipes or Leaks
- Insurance Will Typically Not Cover Normal Wear and Tear
- How Can Homeowners Get Their Siding Replaced by Insurance?
- Assess the Siding Damage and Contact Your Provider
- It’s Important to Understand Your Coverage Before Calling
- Meet with an Adjuster
- Obtain Professional Estimates for Siding Replacement
- Negotiate with Your Insurance Company and Approve the Claim
- Tevelde and Co. is a Top-Rated Exteriors Contractor in Omaha
- Solutions for Siding, Roofing, Windows, and More
Insurance Coverage Will Typically Cover Storm Damage, etc.
Insurance coverage for siding damage is an important part of most home insurance policies. Storm damage protection can be a vital safeguard against various perils that can affect the integrity and aesthetics of a home’s exterior! Be sure to read over your policy in advance to ensure that your provider covers the following incidents.
Hail or Wind Damage
Hail or wind damage poses significant threats to a home’s siding, often resulting in extensive and costly repairs! When hailstorms strike, they can pummel siding with ice pellets of varying sizes, leaving behind a trail of dents, cracks, and even punctures.
Strong winds accompanying these storms exacerbate the situation, potentially causing complete detachment of siding panels or sections. The aftermath of hail damage and windstorms can leave homeowners dealing with compromised siding, jeopardizing both the structural integrity and visual appeal of their homes.
Fortunately, most homeowners’ insurance policies recognize hail and wind damages as covered perils, providing a safety net for affected homeowners needing siding repair.
Fire or Smoke Damage
In the unfortunate event of a fire, the damage inflicted upon a home’s siding can be devastating. Flames, smoke, and heat generated during a fire can quickly consume siding, causing blistering, charring, and structural weakening. Beyond the visible damage, the lingering odor of smoke can permeate the siding, further compromising its integrity and aesthetic appeal. However, homeowners’ insurance policies will generally cover fire and smoke damage.
Water Damage from Burst Pipes or Leaks
When it comes to water damage, burst pipes or leaks can wreak havoc on a home’s siding. Whether it’s water seeping through cracks in the siding, pooling at the base of the walls, or causing wood rot and mold growth, the consequences of water damage can be extensive! Fortunately, insurance often covers the cost of repairing or replacing damaged siding resulting from burst pipes, leaking roofs, or other sources of water intrusion.
Insurance Will Typically Not Cover Normal Wear and Tear
While insurance policies are designed to protect against unforeseen events, they typically do not cover damages resulting from normal wear and tear. This means that if your siding deteriorates over time due to aging or lack of maintenance, it’s important to know that you’ll likely have to foot the bill for new siding yourself.
How Can Homeowners Get Their Siding Replaced by Insurance?
Now that you understand what types of damage are typically covered, let’s explore the steps homeowners can take to initiate the process of getting their siding replaced by insurance providers.
Assess the Siding Damage and Contact Your Provider
The first step is to assess the extent of the damage to your siding. Take clear photos and document the damage to provide evidence for your insurance claim. Once you’ve done that, contact your insurance provider to report the damage and initiate the claims process. It’s important to keep in mind that there’s typically a time limit within which you must file a claim after the damage has occurred. Because of this limit, be sure to file a claim as soon as possible!
It’s Important to Understand Your Coverage Before Calling
Before contacting your insurance provider, take some time to review your policy and understand what is covered. Familiarize yourself with any deductibles, coverage limits, or exclusions that may apply to siding damage.
Meet with an Adjuster
After filing your claim, your insurance company will likely send an adjuster to inspect the damage in person. Be sure to be present during this inspection to point out any specific areas of concern and provide additional documentation if needed.
Obtain Professional Estimates for Siding Replacement
To support your claim, it’s a good idea to obtain professional estimates from reputable local contractors for the cost of replacing the damaged siding. This will help ensure that you receive fair compensation from your insurance company!
Negotiate with Your Insurance Company and Approve the Claim
Once you’ve gathered all necessary documentation and estimates, work with your insurance company to negotiate a settlement for the claim. Be prepared to provide evidence and advocate for yourself to ensure that you receive adequate compensation for the replacement of your damaged siding! In some cases, insurance policies may extend coverage to undamaged siding to maintain the structural integrity and aesthetic coherence of the home. This provision recognizes that replacing only the damaged sections may result in mismatched siding or inconsistent appearances, potentially compromising the overall look and structural stability of the home.
Keep in mind once the insurance company comes back with a settlement amount, accepting the initial settlement offer may not always be in your best interest. Finally, once the claim is approved, you can proceed with hiring an Omaha siding contractor to replace the siding on your home.
Tevelde and Co. is a Top-Rated Exteriors Contractor in Omaha
When it comes to replacing your home’s siding, choosing the right exterior contractor is necessary to ensure a successful outcome! Tevelde and Co. is proud to be a trusted and top-rated exterior contractor serving the Omaha area and beyond! As a professional contractor in Eastern Nebraska, we are happy to offer a wide range of services to meet your home improvement needs. Reach out to our team today for more information!
Solutions for Siding, Roofing, Windows, and More
At Tevelde and Co., we specialize in providing high-quality solutions for siding, windows, roofing, and more. With our expertise and attention to detail, we can help you transform the exterior of your home and enhance its curb appeal for years to come.
Local Expertise Since 2013
Since 2013, our team at Tevelde and Co. has been proudly serving homeowners in Omaha and beyond with professionalism and integrity! Our team consists of experienced contractors and professionals who are devoted to delivering superior results on every project we take on. Check out some of our past projects in our gallery here.
Article Updated: 4/16/24 | Published: 4/2/24
About The Author: Todd Tevelde
Todd Tevelde wrote this helpful article about How To Get Siding Replaced By Insurance to help educate homeowners about their siding options. Todd is an expert in home exterior renovations and the founder of Tevelde and Co. With over 10 years of experience helping homeowners, Tevelde and Co. has become one of the most trusted contractors in the greater Omaha area. For more information contact Tevelde and Co. today!
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