Hail Damge To Siding

How should this loss be settled.

Hail damge to siding.

Excerpted from independent insurance agents of iowa iowa agent newsletter june 23 2014. Indicators of hail damage include holes in vinyl siding or dents in aluminum siding two of the most common materials used on the exterior of homes. Both fiber cement siding and cedar ridge siding are the best choices for hail resistance. Oxidation marks are often what is left on aluminum siding after a damaging storm.

Aluminum hail damage tends to be easier to spot but any material can show chipped paint spots from hail. Unlike damage to the roof hail damage to siding may require immediate attention. In severe storm damage situations siding can break or holes can be punched into the siding by large hailstones and flying debris. Hail occurs throughout the year and can cause damage to our home s siding.

If your siding is broken or has holes in it then it is no longer protecting your home from the elements and will need to be inspected by a reputable contractor as soon as possible. Hail damage to aluminum siding. Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high. Wind and hail most often cause damage to siding says gary martinis owner of highly rated home exteriors of northfield.

My client s house was damaged by hail the siding is no longer made and can t be matched. Light hailstorms that leave a roof unscathed can be quite damaging to siding particularly aluminum siding. The client has replacement coverage on the home and the carrier does not believe they have to replace all the siding to match. It is more durable than vinyl but it does not hold up well in high winds and hail and invites water damage mold and rotting to the interior walls of your home.

Another way to spot hail damage is to look for chipped paint. Dents cracks and holes in your siding are indicators of hail damage. Hail can cause several types of damage to aluminum siding including dents cracks holes and chipped paint. You might also find oxidation marks on it.

For example if wind or hail damages one side of your home or if a tornado blows through and tears siding from part of your home you ll be covered for the damage and be able to replace the missing siding with its match. The key to both these products in hail is their durability and rigidity. Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting. Your homeowners insurance policy covers the matching siding on your home if damage is caused by a peril listed in your policy common events include wind hail fire and tornado.

This results in a very dense rigid siding which doesn t dent chip or crack even upon impact. Water damage or water that comes through broken siding panels can result in mold and cause structural problems to your home. While many homeowners will seek out solutions washing off the oxidation others will paint over it. With high winds small hail can be detrimental to siding.