How To Get Siding Replaced By Insurance

Fire or Smoke Damage

In the unfortunate event of a fire, the damage inflicted upon a home’s siding can be devastating. Flames, smoke, and heat generated during a fire can quickly consume siding, causing blistering, charring, and structural weakening. Beyond the visible damage, the lingering odor of smoke can permeate the siding, further compromising its integrity and aesthetic appeal. However, homeowners’ insurance policies will generally cover fire and smoke damage.

Water Damage from Burst Pipes or Leaks

When it comes to water damage, burst pipes or leaks can wreak havoc on a home’s siding. Whether it’s water seeping through cracks in the siding, pooling at the base of the walls, or causing wood rot and mold growth, the consequences of water damage can be extensive! Fortunately, insurance often covers the cost of repairing or replacing damaged siding resulting from burst pipes, leaking roofs, or other sources of water intrusion.

Insurance Will Typically Not Cover Normal Wear and Tear

While insurance policies are designed to protect against unforeseen events, they typically do not cover damages resulting from normal wear and tear. This means that if your siding deteriorates over time due to aging or lack of maintenance, it’s important to know that you’ll likely have to foot the bill for new siding yourself.

How Can Homeowners Get Their Siding Replaced by Insurance?

Now that you understand what types of damage are typically covered, let’s explore the steps homeowners can take to initiate the process of getting their siding replaced by insurance providers.

Assess the Siding Damage and Contact Your Provider

The first step is to assess the extent of the damage to your siding. Take clear photos and document the damage to provide evidence for your insurance claim. Once you’ve done that, contact your insurance provider to report the damage and initiate the claims process. It’s important to keep in mind that there’s typically a time limit within which you must file a claim after the damage has occurred. Because of this limit, be sure to file a claim as soon as possible!

It’s Important to Understand Your Coverage Before Calling

Before contacting your insurance provider, take some time to review your policy and understand what is covered. Familiarize yourself with any deductibles, coverage limits, or exclusions that may apply to siding damage.

Meet with an Adjuster

After filing your claim, your insurance company will likely send an adjuster to inspect the damage in person. Be sure to be present during this inspection to point out any specific areas of concern and provide additional documentation if needed.

Obtain Professional Estimates for Siding Replacement

To support your claim, it’s a good idea to obtain professional estimates from reputable local contractors for the cost of replacing the damaged siding. This will help ensure that you receive fair compensation from your insurance company!

Negotiate with Your Insurance Company and Approve the Claim

Once you’ve gathered all necessary documentation and estimates, work with your insurance company to negotiate a settlement for the claim. Be prepared to provide evidence and advocate for yourself to ensure that you receive adequate compensation for the replacement of your damaged siding! In some cases, insurance policies may extend coverage to undamaged siding to maintain the structural integrity and aesthetic coherence of the home. This provision recognizes that replacing only the damaged sections may result in mismatched siding or inconsistent appearances, potentially compromising the overall look and structural stability of the home.

Keep in mind once the insurance company comes back with a settlement amount, accepting the initial settlement offer may not always be in your best interest. Finally, once the claim is approved, you can proceed with hiring an Omaha siding contractor to replace the siding on your home.

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