Hail Damage Aluminum Siding Insurance Claim

If a home inspector finds the hail damaged aluminum siding because you are selling your home and the buyer hired an inspector you may be looking at reducing your selling price by thousands if not tens of thousands of dollars.

Hail damage aluminum siding insurance claim. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. In many states usually where hail is less frequent a standard homeowners policy includes hail damage to a roof as part of your protection coverage. In the many ohio home insurance claims we ve seen over the years roofing and siding claims cause the most frustration for policyholders. 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 and be able to replace the missing siding with its match.

Steps to take for siding hail damage insurance claims. 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. Excerpted from independent insurance agents of iowa iowa agent newsletter june 23 2014. If an aluminum siding hail claim expert finds it you may be looking at improving your home increasing your property value and beautifying your home all paid by insurance.

My client s house was damaged by hail the siding is no longer made and can t be matched. Because when siding and or roofing is damaged as the result of a covered claim there is always the chance that the replacement siding roofing will not match what s left. However some hailstones do pierce holes through the surface of siding. The biggest problem with siding and roofing claims.

Robert flores according to the national oceanic and atmospheric administration noaa there was a total of 4 611 hail storms in the united states during the year 2018 with 2019 ending on a higher number as of year end. Do keep a copy of your homeowner s insurance policy and carefully consider the coverage you need before purchasing. Do know that the manufacturer s warranty on items such as gutters roofing and siding are typically voided if you experience hail damage and do not have the affected portions of your home repaired or replaced. Insurance does cover siding damage 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.

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. When hailstones leave dents they can render your siding weaker over the long run which warrants an insurance claim. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage. The client has replacement coverage on the home and the carrier does not believe they have to replace all the siding to match.