Wondering whether siding damage is covered by your insurance? Read on to learn more!
Most Florida homes have siding, which has a lot of advantages such as low maintenance, it’s damage resistance, and it’s replaceability. However, siding can still be damaged and may need repairs or replacing after a Florida storm or just after a long period of time.
In this blog post, we’ll look at whether siding is covered by insurance.
What does homeowner’s insurance cover?
Homeowner’s insurance generally covers damage caused by fire, smoke, lightning, windstorms, and hail. Most policies also cover vandalism and theft. However, there are some exclusions to what is covered by homeowner’s insurance. For example, homeowner’s insurance typically excludes coverage for floods and earthquakes.
When it comes to siding, damage caused by hail or windstorms is typically covered by homeowner’s insurance. However, damage caused by mold, rot, or other types of deterioration is usually not covered. In some cases, siding damage may be covered if it is caused by a covered event such as a fire or windstorm.
It’s always a good idea to check with your insurance company to see what is and isn’t covered by your policy. That way, you’ll know what to expect if you ever need to file a claim.
What should I do if my siding is damaged?
If your siding is damaged, the first thing you should do is assess the damage and determine whether it can be repaired or if you need to replace the entire section.
If the damage is minor, such as a few cracked or chipped pieces, you may be able to repair it yourself with some putty or caulk. However, if the damage is more extensive, you’ll likely need to hire a professional contractor to make the repairs.
Once you’ve determined the extent of the damage, you can start shopping for new siding or getting quotes from contractors. If you have insurance, be sure to check with your insurance company to see if they will cover the cost of repairs or replacement.
If you believe your insurance company should be covering your siding damage and they aren’t or aren’t paying out enough to cover the damage, contact Landau Law for a free case consultation.
Sometimes siding damage leads to mismatched siding
If only part of your siding is damaged, your homeowner’s insurance will only cover the replacement of that section, which can cause a discrepancy in appearance between the new and old siding.
If you have a mismatch, check your coverage to see whether there’s language about what would happen if there is a mismatch. Many policies exclude mismatches, but if you can show that a disparity in siding detracts from the home’s value, it may be covered.
Contact Landau Law for a free case consultation
If your Florida home has siding damage and your insurance company is giving you trouble, contact the property damage lawyers at Landau Law for a free case consultation. We can help you review your insurance policy to see what your insurance company should be covering, we can negotiate with your insurance, and we can represent you in court if necessary.
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