Does homeowners insurance cover damage to siding?

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:

• Vandalism and malicious mischief
• Fire and smoke
• Damage from aircraft
• Damage from vehicles

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.

How to get dwelling coverage for your home's structure