Generally, homeowners insurance can help pay for siding repairs if the damage is caused by sudden and unexpected events.
Examples include storms, fires, hail, or other natural disasters that are outlined in your policy. So, if a Nor’easter rips through New England and sends debris flying into your siding, there’s a good chance your insurance has you covered.
However, insurance typically does not pay for repairs resulting from normal wear and tear, gradual fading, or neglect. Everyday issues like aging, mold, or slow water damage are usually considered the homeowner’s responsibility. Because coverage details vary by policy and provider, it’s always smart to review your policy closely or contact your insurance agent for specifics.
If you notice damage after a severe weather event, document the impact right away and reach out to your insurance company to start the claims process. Proper documentation can make a big difference in how your claim is handled.
How are siding contractors rated and reviewed?
When choosing a siding contractor, it’s important to trust the experiences of other homeowners in your community. Most siding contractors are rated and reviewed by customers on independent third-party sites such as HomeAdvisor, Google Reviews, and the Better Business Bureau. These ratings reflect real feedback on quality of workmanship, professionalism, communication, pricing, and timeliness.
Look for contractors who consistently earn high marks and have positive, detailed reviews from verified customers. It’s also helpful to read through both the praise and any concerns to get a balanced understanding of what to expect. This way, you’ll have greater confidence in your contractor’s reputation and can feel more secure about your investment in new siding.