Wind Damage To Siding Insurance Claims

Experience dealing with insurance claims.

Wind damage to siding insurance claims.

On vinyl siding such damage can best seen when looking up from the bottom of the panel. 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. 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. 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.

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. If a strong storm roars through you may find your siding damaged by hail and shingles that the wind ripped off the roof. Most homeowner s policies require you to cover the damaged roof immediately. The iii reports that state farm alone spent 2 4 billion on wind and hail claims in 2014.

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. Homeowners insurance typically covers wind damage. 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. A good roofer will help with the next few steps before repairing the roof.

Strong winds flying debris and wind driven hail cause the most damage to the exterior of your home. 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. Before you file an insurance claim it is crucial to know which types of damage will be covered under your policy. 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.

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. Claims for secondary damage are usually denied when the necessary steps have not been taken to protect the roof. 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 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.