Insurance Claims: How to Get Siding Replaced by Insurance

When your home’s siding suffers damage due to severe weather, accidents, or unforeseen circumstances, the thought of getting it replaced may seem overwhelming. However, if you have homeowner’s insurance, you may be eligible for coverage for siding replacement. Navigating insurance claims can be tricky, but with the right information and approach, the process can be smoother than you might expect.

we’ll take you through the essential steps to get your siding replaced by insurance. From understanding the terms of your policy to documenting the damage and communicating with your insurance provider, we’ll provide you with valuable insights to make the entire process more manageable. Let’s dive into the world of siding replacement and insurance claims.

Table of Contents

What does your homeowner’s insurance policy cover regarding siding replacement?

Before filing a claim, it’s crucial to review your homeowner’s insurance policy to understand what it covers regarding siding replacement. Some policies may cover certain types of damage, such as hail or wind damage, while others may offer more comprehensive coverage for a broader range of incidents.

Reviewing Your Insurance Policy

Go through your insurance policy to determine if the cause of the damaged siding is covered.

  • Deductible: Make sure you know your deductible – the amount you pay out-of-pocket before the insurance coverage kicks in.
  • Coverage limits: Check your policy to see the limits for siding replacement, as this can affect the quality of materials you may choose for the repair.
  • Exclusions: Determine if your policy has any exclusions relating to siding damage and replacement.

Are there any exclusions or limitations to siding replacement coverage?

Yes, some insurance policies may have exclusions or limitations on siding replacement coverage. Common exclusions may include wear and tear, improper maintenance, and pre-existing damage. It’s essential to be aware of these exclusions to set realistic expectations when filing a claim.

Can I upgrade my siding during the replacement process?

In some cases, you may have the option to upgrade your siding during the replacement process. However, the cost of the upgrade will likely not be covered by insurance, and you will be responsible for any additional expenses.

Filing a Siding Replacement Claim

Filing a siding replacement claim with your insurance company requires several key steps to ensure the claim is processed efficiently and effectively. Follow the guidelines below for a smooth experience.

Step 1: Contact your insurance company

As soon as you have determined that the damage to your siding is a result of a covered event, contact your insurance company to report the incident. This initial contact allows your insurance company to open a claim and provide you with crucial information on the next steps for moving forward.

Also Read :
CallMeGlobal Charges on Your Credit Card: What You Need to Know"

Step 2: Fill out the necessary forms

Your insurance company will require specific information and documentation to process your siding replacement claim. They will provide you with the necessary forms to complete, which may include details about the damage, the cause, and a timeline of events. Ensure that you provide accurate and thorough information to avoid any delays in processing your claim.

Step 3: Document the damage

Gather evidence of the siding damage by taking photos or videos that clearly show the affected areas. These will serve as proof of the damage when submitting your claim. It is helpful to have a series of images from different angles and distances for a comprehensive view of the extent of the damage.

Step 4: Schedule an appointment with an insurance adjuster

An insurance adjuster may need to visit your home to assess the siding damage and verify the information submitted in your claim. Schedule an appointment at a convenient time for both parties to facilitate a smooth inspection process. Be prepared to answer any questions the adjuster may have about the cause of the damage and any preventive measures that were in place.

Step 5: Obtain repair estimates from licensed contractors

Contact at least two or three licensed contractors who specialize in siding replacement to obtain written estimates for the work required. These estimates should include the materials needed, labor costs, and a projected timeline for completing the job. Comparing estimates from multiple contractors helps determine a fair price for the project and provides a basis for negotiating with your insurance company about the claim amount.

Step 6: Submit documentation and estimates to the insurance company

Once you have compiled the necessary forms, damage documentation, and contractor estimates, submit them to your insurance company. Ensure that you keep a copy of all submitted materials for your records.

Step 7: Monitor the progress of your claim

Stay in regular communication with your insurance company to monitor the progress of your claim. It is essential to address and resolve any questions or concerns they may have promptly, as delays can lead to a prolonged claims process.

What information should I include in my insurance claim?

When filing your insurance claim, be sure to include the following information:

  • Date and time of the incident
  • Description of the damage
  • Photos of the damaged siding
  • Policyholder information
  • Contact information for your insurance agent

Inspection and Assessment

Once you’ve filed a claim for siding replacement, the next crucial step in the process is the inspection and assessment of the damage. Insurance companies typically send a claims adjuster to your property to evaluate the extent of the siding damage and determine the cost of repairs or replacement. This inspection is a critical part of the claims process and can significantly impact the outcome of your claim.

What to Expect During the Inspection?

During the inspection, the claims adjuster will thoroughly examine the damaged siding and surrounding areas. They will take detailed measurements and photographs to document the extent of the damage. The adjuster will also assess whether the damage meets the criteria for coverage under your insurance policy. This includes determining whether the damage was caused by a covered peril, such as a storm or accident.

Preparing for the Inspection

To ensure a smooth and accurate inspection, take the following steps:

  • Be Present: If possible, be present during the inspection to provide any necessary information and answer any questions the adjuster may have.
  • Document the Damage: Before the adjuster arrives, take your own photographs and notes of the damage. This will serve as additional evidence to support your claim.
  • Gather Documentation: Have all relevant documentation ready for the adjuster, including your insurance policy, claim forms, and any estimates from siding contractors.

Handling Discrepancies

In some cases, there may be discrepancies between the adjuster’s assessment and your own evaluation of the damage. If you believe the adjuster’s assessment is inaccurate or insufficient, you have the right to request a re-inspection. During the re-inspection, provide any additional evidence or documentation that supports your claim. It’s essential to advocate for yourself and ensure that the damage is accurately assessed for proper coverage.

Also Read :
Candela, Italy How to Apply for 2023

Waiting for the Assessment

After the inspection, the claims adjuster will complete their assessment and submit their findings to the insurance company. The company will then review the information and make a determination regarding the coverage for the siding replacement. This process may take some time, so it’s essential to be patient during this stage of the claims process.

Understanding the Insurance Company’s Decision

Once the insurance company reaches a decision regarding your claim, they will communicate it to you in writing. If your claim is approved, you will receive details on the coverage amount and the next steps for proceeding with the siding replacement. On the other hand, if your claim is denied, the letter will include the reasons for the denial. If you disagree with the decision, you may have the option to appeal or seek legal advice.

Navigating the Claims Process

How long does the siding replacement claims process typically take?

The time it takes to process a siding replacement claim can vary depending on various factors, including the complexity of the damage, the responsiveness of all parties involved, and the workload of the insurance company. In general, the process can take a few weeks to a few months.

How can I expedite the claims process?

To expedite the claims process, follow these tips:

  • Respond promptly to any requests or inquiries from your insurance company.
  • Provide all necessary documentation and evidence as soon as possible.
  • Keep thorough records of all communications and interactions with your insurance provider.

What if my siding replacement claim is denied?

If your siding replacement claim is denied, review the reasons for the denial provided by your insurance company. If you believe the denial is unjustified, consider appealing the decision or seeking legal advice to explore your options further.


What is the process of getting siding replaced by insurance?

The process includes:

  1. Assessing the damage
  2. Reviewing your insurance policy
  3. Filing a siding replacement claim

How do I know if the siding damage is covered by my insurance policy?

Review your policy to check if the damage caused falls under the covered events, and clarify if there are any exclusions.

Can I select any contractor for siding replacement?

Choose a licensed contractor with experience in siding replacement, and obtain at least two-three estimates for comparison.

What if my damaged siding is no longer manufactured?

In this case, discuss the situation with your insurance company. They may cover a full siding replacement to ensure a cohesive appearance.

How long does it take to process a siding replacement claim?

The time it takes to process a claim varies, so communicate with your insurance company about the timeline.

Can I make additional changes/upgrades during the siding replacement?

Yes, you can make additional changes or upgrades, but insurance may only cover the original value — any upgrades may be an out-of-pocket expense.

How do I avoid insurance fraud when getting my siding replaced?

Choose a reputable and licensed contractor, and avoid siding companies that pressure you to sign an agreement before the insurance company approves the claim.

What if my claim is denied?

If your claim is denied, you can appeal the decision or seek the assistance of a public adjuster to handle the case.

Should I file a claim for minor siding damage?

Consider the deductible you’d have to pay and determine if it’s worth filing a claim. For minor damage, it might be more cost-efficient to repair it yourself.

How can I prevent siding damage in the future?

Routine maintenance, such as frequent checks for cracks, warping, and moisture, can help prevent siding damage.


Getting siding replaced by insurance may initially seem like a daunting task, but armed with the right knowledge and approach, the process can be navigated smoothly. Understanding your insurance policy, documenting the damage, filing a timely claim, and communicating effectively with your insurance provider are key steps to a successful siding replacement journey. Remember to remain patient and persistent throughout the process, and don’t hesitate to seek professional guidance if needed. With these insights, you’ll be well-prepared to tackle siding replacement with confidence and peace of mind.