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Matching siding coverage

Does Homeowners Insurance Cover Siding Damage?

Both vinyl and metal siding on your home have many advantages — not only do they look attractive, but they’re usually low cost and designed for little maintenance. If your siding is damaged, will your homeowners insurance cover the cost to repair or replace it? The good news is, in most cases, your homeowners insurance does cover siding damage to your home, but it’s important to know exactly how your homeowners insurance policy handles siding damage and replacement coverage so you can ensure your siding is fully protected from unexpected events.

Let’s take a look at how your homeowners insurance covers siding damage and how adding matching undamaged vinyl or metal siding coverage can keep your home looking its best.

What Exactly Is Siding?

Siding on a home is the protective material attached to the exterior of your home’s structure. One of siding’s most noticeable purposes is aesthetics, since the material you choose greatly influences the look of your home. Siding also protects your home from weather, improves insulation and can impact the resell value of your home.

There are many options for the type of siding on a home, but two of the most popular are vinyl and metal:

Vinyl siding. Vinyl siding is one of the most common types of siding because of its durability, affordability, color options and textures. Vinyl can be installed quickly, even over existing materials, which helps reduce labor costs.

Metal siding. Long lasting and durable, metal siding is another popular option because it outlives many other types of exterior materials. You can choose a metal siding that actually looks like metal, or a more natural look with imitation wood made from metals.

The Importance of Matching Siding

Why is it important to have matching siding? For starters, a home with matching siding simply looks better! But it also can affect the value of your home. Mismatched siding may reduce the amount your home is worth, so having this matching siding coverage in place before there’s a covered loss is important if you want to maintain matching siding as well as sustain the value of your home.

Vinyl and Metal Siding Coverage

Your homeowners insurance policy covers the siding on your home if damage is caused by a peril listed in your policy — common events include wind, hail, fire and tornado. 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.

Matching Undamaged Vinyl or Metal Siding Coverage

Though you work hard to protect your home, you can still be faced with unexpected challenges. For instance, if the vinyl or metal siding of your home experiences wind damage or tornado damage, finding replacement siding that’s an exact match can be difficult.

While your homeowners insurance replaces siding damage from specific types of losses, it only covers the parts of your home that are damaged — which can be a bigger deal than you’d think.

Let’s say the siding on two sides of your home blew off during a wind storm. Sure, wind is a covered loss and your homeowners policy will help pay to replace the siding that’s damaged or missing. But here’s the dilemma — when you contact the siding manufacturer, you may find out that they discontinued your original siding. Now, you have to choose a different type of siding and it doesn’t match!

This problem is actually pretty common — that’s why we’re here to help you out, by offering our matching undamaged vinyl or metal siding coverage.

How Matching Siding Insurance Works

So what is matching undamaged vinyl or metal siding coverage? Here’s how it works with American Family Insurance.

As noted above, your homeowners policy will begin by covering the cost of replacing the damaged sections. And then if you have undamaged siding coverage, it’ll reimburse you for up to $20,000 of the costs for replacing the remaining undamaged siding so everything matches.

Does Homeowners Insurance Cover Rotted Siding?

Keep in mind, your homeowners insurance won’t cover you for normal wear and tear, like rotted siding. Matching siding coverage is meant to help you if your original siding that’s damaged is discontinued. Normal damage that occurs to your home’s siding, like fading from sun exposure or dirt and grime, is your responsibility you won’t be covered for the replacement cost. Taking care of issues right away and completing regular maintenance can help save you money down the road.

Submitting Siding Insurance Claims

If you think your home is a candidate for getting its siding replaced by insurance and you need to submit a claim for your damaged siding, the claims support you need is just a phone call away at 1-800-MYAMFAM (692-6326). Or you can report a claim online. No matter how you do it, we’ll work with you every step of the way to help get things back to normal.

Here’s a closer look at filing a homeowners insurance claim.

Find the Right Coverage for Your Home

Take a look at our homeowners coverages to learn more ways you can protect what matters most. And continue reading for more smart homeowners insurance tips. Connect with your American Family Insurance agent to learn about adding matching undamaged vinyl or metal siding coverage to your homeowners policy — because when you work hard for your dream home, it should look exactly how you want it to.