Insurance Approved Siding Jobs From Homeowner Siding Claims

Many occurrences can damage different types of siding. Most siding today is vinyl. While the newer "second generation" and now third generation vinyl (pictured below) is much better than the first generation, it is the older vinyl that is currently on the majority of vinyl sided homes.

This older vinyl tends to be thinner than most modern siding and it simply was not manufactured as well as it is today. Because of this, it is more susceptible to damage. When a hailstorm strikes vinyl siding, it can create holes and cracks. Of course, the thinner the siding, the higher the chance for projectiles causing it damage.

Generally, it takes a hailstone of about 1.25 inches an diameter or greater to puncture vinyl. Vinyl can also be blown off of a home structure by severe winds. Some modern vinyl manufacturers actually have wind resistant guarantees which warranty the siding against winds of up to 80 miles per hour or more, assuming that the siding was installed properly.

Typically, if you have suffered damages to your vinyl siding, the damage will only have been sustained to one or two elevations. This is because a storm generally travels in a singular direction. Still, within any given storm, winds can swirl in any direction, so one storm can actually affect all sides of a given home.

With vinyl siding, most homeowner insurance companies will only pay for the elevations that were directly affected by the storm event. This is because most vinyl is reasonably matchable and replacing only the damaged elevations is considered a reasonable settlement.

With aluminum siding, things are different. Aluminum can be affected greatly by hail and wind as well. Aluminum can blow off of a house from strong winds and can become severely dented from hail (as pictured to right). Generally, a hailstone that is 1 inch in diameter or greater will damage aluminum siding.

Insurance companies may replace all elevations of siding even if not all sides are directly damaged. This is because aluminum is not always easily matched. Therefore, it sometimes makes sense to replace it all as a fair claim settlement.

Some insurance policies do not allow for matching under any circumstances while most address each siding matching issue on a "case by case" basis.

Similarly, some insurance companies will pay for a vapor barrier to be installed behind the new siding on the basis of "modern construction practices." Others will only pay for this vapor barrier if you have it already installed. A vapor barrier is a special paper-like product that is installed behind siding and and helps to resist moisture and wind. An example of a vapor barrier and the most popular brand is Tyvek .

If you have a foam-board insulation behind your old siding, your insurance company should pay to replace this foam as it often gets damaged during the removal process. They generally will never pay for insulation unless it was there prior to the claim.

Most quality restoration contractors that specialize in siding claims will work with your insurance company to help you reach a fair settlement so that you can get the most work done within the claim approval amount.