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Is Siding Covered By Homeowners' Insurance?
Is your siding covered by your homeowners' insurance?
Generally, yes, though it depends on your policy.
Common insurance-covered perils for siding include weather-related events – damage from storms, wind, hail, or lightning; fire; vandalism and theft; fallen objects such as a tree; and occasionally accidental damage – we had one homeowner recently who, less than six months after having her siding replaced by Retex, had a buck run antlers-first into her home.
In this Richmond homeowner’s case, a fire caused her siding and two windows to literally melt off her home. Her insurance company covered their replacement, and Retex installed Certainteed Mainstreet “Pacific Blue” vinyl siding and two Provia Endure windows in June 2023.
Note: Every homeowners’ insurance policy is different. Review your deductible, coverage limits, exclusions, maintenance requirements, and wear-and-tear restrictions before filing a claim for siding damage. You should also contact your insurance company to better understand your policy's coverage and to assess the situation.
And if you know it’s time to replace it, start off the new year strong by boosting your home’s siding. Give us a call for a no-cost, no-pressure siding assessment today – 804-258-6300.
