Hail Damage Aluminum Siding Insurance Claim

Everything you need to know after a hail storm including hail damage roof inspections and how to file an insurance claim.

Hail damage aluminum siding insurance claim.

How should this loss be settled. The client has replacement coverage on the home and the carrier does not believe they have to replace all the siding to match. However some hailstones do pierce holes through the surface of siding. 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.

Should you need to file a claim have the policy handy so that you understand what you are entitled to in terms of compensation. 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. 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. 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.

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. 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. 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. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage.

The biggest problem with siding and roofing claims. My client s house was damaged by hail the siding is no longer made and can t be matched. Excerpted from independent insurance agents of iowa iowa agent newsletter june 23 2014. Do keep a copy of your homeowner s insurance policy and carefully consider the coverage you need before purchasing.

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. 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. In the many ohio home insurance claims we ve seen over the years roofing and siding claims cause the most frustration for policyholders. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim.