Most homeowners insurance policies will cover siding damage caused by sudden weather events like storms, high winds, hail, or falling trees. The key is that it needs to be damage from a specific incident, not gradual wear and tear over time.
We work with insurance companies regularly and can help document the damage properly for your claim. This includes taking detailed photos, providing repair estimates, and explaining what caused the damage. Having professional documentation often helps get claims approved more quickly.
Keep in mind that you’ll still be responsible for your deductible, and some policies have specific limits on exterior damage coverage. It’s worth reviewing your policy or calling your agent to understand your coverage before you need it. If storm damage does occur, the sooner you file a claim and get the repair process started, the better.