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Is Home Siding Covered By Homeowners Insurance?

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Is Home Siding Covered By Homeowners Insurance?

It’s important to take care of and maintain your home’s siding, but sometimes there are storms that you just can’t prepare for. That’s where homeowners insurance comes in. Homeowners insurance can cover a variety of different damages. Does it, however, cover siding? Siding is a crucial material in maintaining the looks, structure, and safety of a home. While siding is supposed to be long-lasting and difficult to damage, strong enough storms can cause havoc on the exterior of your home.

Windstorms, hailstorms, and the like are not something a homeowner can fix. Damaged siding makes it ill-effective to protect your home from future storms. This means it’s crucial that homeowners can afford to get it fixed. Homeowners insurance is supposed to cover many damages that aren’t at fault of the homeowner, and most insurances will cover siding, but it’s important to know exactly how you’re covered. Homeowners insurance won’t cover wear and tear or rotting, and it’s important to make sure that you know their policies on matching the siding. 

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How to Know If You’re Covered and What You’re Covered For

There are a few common issues when it comes to getting your problems with siding taken care of by your insurance company. These issues vary in severity based off of the insurance company that is chosen. When siding is damaged as the result of a covered claim, sometimes insurance companies won’t cover making sure the siding matches with the rest of the home. It can make the home look unappealing and worn-down. Most insurance companies are not obligated to make the siding of your home match the rest of it, especially if the siding doesn’t match because of lack of maintenance.

Basically, if you’ve had the same siding for 15 years and it’s lost its color and has rotted and only one part of your home is damaged, they’ll put in new siding there, but not anywhere else. Companies often only offer replacements for certain siding materials, most often, vinyl and metal. These are two of the most common sidings. Vinyl is durable, affordable, easy to install, and comes in many different colors. Metal siding is also popular and very durable. 

If you have metal or vinyl siding and have good maintenance on your home, you may be able to get the entire siding replaced. While insurance companies won’t often replace poorly taken care of siding that’s not a part of the damage, it’s often a different case if the siding has been discontinued. If your house is older, this could definitely be a concern. If the siding of one side of your house is damaged and has been discontinued it is important to familiarize yourself with your policy.

In fact, many policies come with endorsements that they will do exactly that. This is why it’s important to make sure that you have matching siding in your insurance policy. Mismatched siding not only makes your home look worse but can lower the value of your home, and it’s within the guidelines of many insurance companies to make sure that that doesn’t happen. 

How to Check for Siding Damage

How do you know if there is damage? Checking for damage to your home’s siding should be done in the early morning or late evening. Broad daylight or pitch dark is not the way to go. This is to ensure that there is good enough lighting to be able to see the entire structure. For instance, when the sun is high in the sky, it may be too bright to see certain dents. And taking care of your siding is crucial for the value of your home and your safety. Regular maintenance can help prevent the wear and tear issues to siding that isn’t covered by homeowners insurance. 


 “The Biggest Problem with Siding and Roofing Claims…And a Solution.” Alan Galvez Insurance RSS, 8 June 2017,

“Damaged Siding and Matching Siding Coverage.” American Family Insurance,

“Does Homeowners Insurance Pay to Replace Damaged Siding?” Alladin Inc,

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