Does homeowners insurance cover damage to siding?

A typical homeowners policy's dwelling coverage may cover damaged siding due to a covered peril, up to your policy's limits and minus your deductible. Review the terms of your policy to understand which perils are covered and whether your damaged siding would be covered for its replacement cost or its actual cash value.

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Getting siding replaced by insurance

Extreme weather is one of the most common causes of siding damage, like siding being ripped by strong winds or hail. Your homeowners insurance policy may cover incidents connected to extreme weather or storm damage, if the weather event is listed as a covered peril on your policy. Your policy may also cover damaged siding resulting from perils that aren't weather-related, like:

When is siding not covered under my homeowners insurance?

Like any other part of your home, siding isn't protected by home insurance against everyday wear and tear. If your siding has simply degraded over time or if damage results from a lack of proper maintenance, you'll likely be responsible for the repair or replacement costs.

Your dwelling coverage also won't pay for damage already present when you bought the home. It also likely won't cover siding damaged by wild animals, including woodpeckers and other burrowing animals. Learn how damage from wild animals works with homeowners insurance.

How does a siding damage insurance claim work?

Your claims adjuster may ask you questions about the damage to learn more about it. Keep in mind, if the siding damage is minor, you may consider getting an estimate before formally filing a claim. If the repairs cost less than your policy's deductible, it may not be worth filing a homeowners claim.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.