Wind Damage To Siding Insurance Claims

Fortunately wind damage is one of the perils that a standard home owners insurance plan covers the extent to which your home insurance covers your wind damage depends on a few different things.

Wind damage to siding insurance claims.

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. This is why it s really important for you to know how your homeowners policy is designed so you can get the help you signed up for when you need it most. Claims for secondary damage are usually denied when the necessary steps have not been taken to protect the roof. If a strong storm roars through you may find your siding damaged by hail and shingles that the wind ripped off the roof.

Homeowners insurance typically covers wind damage. According to the insurance information institute almost 1 in 20 homes will file a weather related claim every year and around 1 in 50 will report wind damage specifically. Experience dealing with insurance claims. 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.

If you spot damage along your siding in the aftermath of a hailstorm it is essential to identify the likely cause of said damage whether that s hail or other sources unrelated to the storm itself. 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. As insurance claim professionals since 1998 we have reviewed thousands of claims and have found that both insurance adjusters policyholders and contractors have unknowingly and will often miss hidden damages caused by wind. On vinyl siding such damage can best seen when looking up from the bottom of the panel.

When damage caused by fire smoke water hail or other causes results in a small portion of a home or building being damaged e g shingles siding carpet cabinets etc whether and when a. The iii reports that state farm alone spent 2 4 billion on wind and hail claims in 2014. Before you file an insurance claim it is crucial to know which types of damage will be covered under your policy. 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.

Wind causes a staggering amount of home insurance claims. Strong winds flying debris and wind driven hail cause the most damage to the exterior of your home. A good roofer will help with the next few steps before repairing the roof. Most homeowner s policies require you to cover the damaged roof immediately.