Understanding How Insurance Pays for Damaged Siding

During a recent storm, your home’s siding might have sustained damage, enough that you think about filing an insurance claim. You might wonder if your carrier will provide you with new siding in Fairfield County or if you’ll have to foot the bill yourself. Here’s some information to help you get a better idea of what you’re dealing with.

Take a Look at the Language Used in Your Policy

The first thing you’ll want to do is look at your home insurance policy to see whether it specifically mentions wind or hail damage in the covered peril section. Once you have that information, look to see what the basis of coverage is for your specific situation and if you will more than likely receive new siding in Fairfield County.

Damage to Only One Side

Even if the wind or hail damage is covered in your policy, that damage might only have been sustained on one side of your home. In this case, you’ll want to reach out to a roofing contractor before getting in touch with your insurance company. Roofing contractors can not only let you know what options are available to you, they can also work with your insurance company to make sure the new siding matches the undamaged siding, or see if you can have your entire home resided.

Getting New Siding

If you learn you can get new siding in Fairfield County, you might be better off with siding made of a different material that’s durable and affordable, like vinyl. Depending on your policy, your insurance carrier might cover the cost of vinyl siding, especially if it costs less than the price to replace your current siding with the same material you currently have.

Learn more about siding and dealing with your home insurance provider when it comes to your roof and siding by calling Signature Exteriors at 1-866-244-8029.