Wind Damage Siding Insurance

Does homeowners insurance cover wind damage to siding.

Wind damage siding insurance.

Diy or hire a local siding contractors. Siding damages and what to look for. If your home s exterior siding has suffered damaged caused by wind you probably have many questions both for your insurance company and for the contractor you select to get the damaged siding replaced. Here is a quick overview of the most common types of exterior damage.

The caveats to this are usually just a specific rider or added exclusion clause. Yes homeowner s insurance policies do cover siding damage but reading the fine print most of them only cover the siding that suffered the damage and so homeowners could wind up with mismatched siding. For example if wind or hail damages one side of your home or if a tornado blows through and tears siding from part of your home you ll be covered for the damage. Do you try just replace the panel try to match the colors to the rest of the house.

Your homeowners insurance policy covers the matching siding on your home if damage is caused by a peril listed in your policy common events include wind hail fire and tornado. The exclusion would be listed in your policy. Many types of exterior damage can be identified if you know what to look for. If the wind is strong enough whole pieces of aluminum can be completely dislodged and sent flying.

Homeowners insurance typically covers wind damage. Coverage also usually includes damage from hail wind driven rain or snow that gets inside the home when a roof or wall is damaged due to wind. Homeowners insurance usually helps cover windstorm damage caused by tornadoes and hurricanes. Your homeowners insurance policy should cover the cost to repair siding.

Homeowners insurance is designed to pay to repair damage to a home caused by several types of natural occurrences that are not the fault of the homeowner. Replacing siding can make your home a lot more attractive giving it a look that adds character and curb appeal. Strong winds flying debris and wind driven hail cause the most damage to the exterior of your home. However if your policy excludes windstorm damage it probably will not help cover the cost of repairs if your home is damaged by a tornado or hurricane.

Your vinyl siding blew off. If damage is caused by a peril listed in your policy like wind hail fire and tornado you ll probably be covered for the damage and should be able to replace the damaged or missing siding with a material that closely matches. If a strong storm roars through you may find your siding damaged by hail and shingles that the wind ripped off the roof. Exterior storm damage strong winds flying debris and wind driven hail do the most damage to the exterior of your home.

Be sure to read your policy to understand the coverage it provides. A wind storm can dent aluminum siding. If your policy is generous the insurance company could reimburse you for up to a certain dollar amount to replace your entire house in.