How To Get Siding Replaced By Insurance

How to Get Your Siding Replaced by Insurance

Getting your siding replaced can be a costly endeavor. However, if the damage is due to a covered event under your homeowner's insurance policy, you might be able to get the repairs covered. This guide will walk you through the process of getting your siding replaced by your insurance company.

Understanding Your Home Insurance Policy

Before you even begin the process, thoroughly review your homeowner's insurance policy. Pay close attention to the following:

• Covered perils: Identify which events are covered by your policy. Common covered events that can damage siding include:

  • Hailstorms: Hail damage is a frequent cause of siding replacement claims.
  • Windstorms: High winds can tear off siding or cause significant damage.
  • Falling trees or branches: Impact damage from falling trees is often covered.
  • Fire: Fire damage to your home, obviously, necessitates siding replacement.
  • Vandalism: Malicious damage to your siding may be covered.

• Deductible: Understand your policy's deductible amount. This is the amount you'll be responsible for paying before your insurance kicks in.

• Coverage limits: Check the limits on your dwelling coverage. This determines the maximum amount your insurance company will pay for repairs or replacement.

Documenting the Damage

Once you've identified the damage, it's crucial to thoroughly document it. This documentation will support your insurance claim. Here's what to do:

• Take photos and videos: Capture extensive photographic and video evidence of the damaged siding from multiple angles. Show the extent of the damage, including close-ups and wider shots of the affected areas.
• Note the date and time: Record the date and time the damage occurred if possible. This helps establish a timeline of events.
• Keep a detailed record: Keep a log of all communication with your insurance company, including dates, times, and the names of anyone you spoke with.
• Identify the cause of damage: If possible, pinpoint the exact cause of the damage (e.g., "hail damage from the storm on July 15th").

Filing an Insurance Claim

After documenting the damage, it's time to file a claim with your insurance company.

• Contact your insurance provider: Contact your insurance provider immediately and report the damage. Be prepared to provide details about the incident and the extent of the damage.
• Follow their instructions: Your insurance company will likely provide instructions on how to proceed with the claim. Follow these instructions carefully.
• Be prepared for an adjuster: An insurance adjuster will likely be dispatched to inspect the damage. Cooperate fully with the adjuster and answer their questions honestly. Be prepared to show them your documentation.

Working with the Adjuster and Contractor

The adjuster will assess the damage and determine the scope of repairs. They might recommend a contractor, but you're usually free to choose your own.

• Get multiple quotes: Get at least three quotes from different contractors before making a decision. This ensures you're getting a fair price.
• Negotiate with your insurance company: If you disagree with the adjuster's assessment, don't hesitate to negotiate. Present your evidence and be prepared to discuss your concerns calmly and professionally.

Ensuring a Smooth Process

To ensure a smooth and efficient process:

• Be proactive: Don't delay in reporting the damage.
• Be organized: Keep all your documentation in one place and easily accessible.
• Be patient: The claims process can take time.
• Communicate effectively: Maintain clear and consistent communication with your insurance company and contractor.

By following these steps, you'll significantly increase your chances of successfully getting your siding replaced by your insurance company. Remember, preparation and clear communication are key to a positive outcome.