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Siding Insurance: What You Need to Know

Siding covers a large part of your home. It provides an aesthetic that is complemented by other components, such as the roof, the windows and the door. It’s easy to see why you should be concerned about how your siding looks, as it affects the overall aesthetic of your entire home.

Siding and roofing contractors understand that siding isn’t just for looks. It’s also a protective layer that serves as your home’s first line of defense against the elements. It keeps your walls from suffering moisture damage. The best type of siding also provides your home with some good insulation, which means it helps lower your heating and cooling expenses.

In case your siding is damaged, however, will your homeowner’s insurance cover the cost of replacing it? The answer is not as straightforward as it may seem, unfortunately, so it’s best to have your insurance policy copy somewhere safe and easy to find. Go over it to find out whether the damage your siding has incurred is covered.

Storm Damage

Siding insurance typically covers the most common causes of damage, such as hurricanes, tropical storms, hail and wind. Your insurance may also cover the damage caused by tornadoes and fire. However, there are some things to consider if your home is old.

  • First, if your insurance provider can still find the same type of siding. Siding manufacturing technologies improve, and the siding that was used to cover your home in the 60s might no longer be available.

  • Your insurance provider or the siding and roofing contractors are still in business or you hold one of those insurance policies that state the manufacturer will cover the replacement if the contractor is gone.


If you’re lucky, you’ll have one of those policies that state your contractor will replace your damaged siding and reimburse you for the cost of the undamaged siding, which they will also replace to ensure your entire home gets brand new siding. This solves the problem of mismatched siding, plus you also get new siding that will last even longer.

Wear and Tear

Normal wear and tear are not usually covered by an insurance policy. Rot, for example, is a reason to replace your siding, but it’s not covered by your policy. If you caused the damage to your siding, whether intentionally or otherwise, the inspector is likely to find out and your insurance won’t cover that, either.

To find out whether your insurance covers the damage to your siding, it’s best to read your copy of the policy. DryTech Roofing LLC can provide some advice and clarifications, as well. Call us today at (240) 491-5600. We offer siding and roofing services to homeowners in Maryland.