how to get siding replaced by insurance

3 min read 10-12-2024

Getting your siding replaced can be a costly endeavor. However, if the damage is due to a covered event, your homeowner's insurance may cover the cost. This comprehensive guide walks you through the process of getting your siding replaced by your insurance company.

Understanding Your Homeowner's Insurance Policy

Before you even think about filing a claim, thoroughly review your homeowner's insurance policy. Look for sections detailing coverage for wind damage, hail damage, fire damage, and other potential causes of siding damage. Pay close attention to your deductible; this is the amount you'll pay out-of-pocket before insurance coverage kicks in. Understanding your policy's specifics is crucial for a smooth claims process.

What Does Homeowner's Insurance Typically Cover?

Most homeowner's insurance policies cover siding damage caused by:

Severe weather: This includes windstorms, hail, hurricanes, and tornadoes. Evidence of such damage is key to a successful claim.
Falling objects: Trees, branches, or other debris causing damage to your siding are usually covered. Document the source of the damage.
Fire and lightning: If a fire or lightning strike damages your siding, your insurance likely covers the repair or replacement.
Vandalism: Malicious damage to your siding is generally covered. Report the vandalism to the police.

What is Usually Not Covered?

Keep in mind that some types of siding damage are generally not covered by insurance:

Normal wear and tear: Aging, fading, or minor cracking due to natural processes are usually excluded.
Poor installation: If the damage stems from faulty initial installation, your claim may be denied.
Neglect: Failure to maintain your siding properly can affect your claim.
Pest damage: Damage caused by insects or rodents is typically not covered.

Documenting the Damage: A Step-by-Step Guide

Once you've identified damage to your siding, meticulously document everything. This documentation is vital for a successful insurance claim.

1. Take Photos and Videos

Take numerous high-quality photos and videos of the damaged siding from various angles. Capture close-ups of the damage, as well as wider shots showing the extent of the problem. Include photos showing the overall condition of your home's exterior.

2. Note the Date and Time

Record the date and time the damage occurred, if known. If the damage was caused by a storm, note the date and time of the storm. This helps establish a timeline.

3. Create a Detailed Inventory

List all damaged siding components. Be specific – note the type of siding, the affected areas, and the estimated quantity of materials needed for replacement.

4. Contact Your Insurance Company

Immediately report the damage to your insurance company. Provide them with the information you've documented and follow their instructions for filing a claim.

Filing Your Insurance Claim: A Comprehensive Guide

Filing your claim involves several steps:

1. Contact Your Insurance Provider

Contact your insurance company as soon as possible after discovering the damage. They'll guide you through the claims process and provide you with a claim number.

2. Provide Necessary Documentation

Submit all the documentation you've gathered, including photos, videos, and the detailed inventory of damaged siding.

3. Schedule an Inspection

The insurance company will likely schedule an inspection by an adjuster to assess the damage. Be present during the inspection and answer any questions the adjuster might have.

4. Negotiate with Your Insurance Company

If the adjuster's assessment doesn't fully cover the cost of repairs or replacement, negotiate with your insurance company. Be prepared to provide additional documentation or evidence to support your claim.

Choosing a Contractor and Getting the Work Done

Once your claim is approved, you'll need to choose a qualified contractor to replace your siding.

1. Get Multiple Quotes

Obtain quotes from at least three different contractors. Compare their prices, experience, and warranties.

2. Verify Licensing and Insurance

Ensure that the contractor is properly licensed and insured. This protects you from potential liability issues.

3. Review Contracts Carefully

Carefully review the contract before signing it. Ensure that it clearly outlines the scope of work, payment terms, and warranty information.

Conclusion: Securing Your Siding Replacement

Getting your siding replaced through your insurance company can be a complex process. However, by understanding your policy, documenting the damage thoroughly, and navigating the claims process effectively, you can significantly reduce your out-of-pocket expenses. Remember to maintain open communication with your insurance provider and contractor throughout the entire process. By following these steps, you'll be well-equipped to get your siding replaced and protect your home.