Homeowners Insurance Talk: Replacement Siding After Storm Damage

Consider These Tips Before the Next

A rough storm can make a mess of a house in a matter of moments. Once it passes, you may find a loose panel in the yard, cracks along one wall, or hail marks you swear weren’t there yesterday. Oklahoma and Kansas homeowners know the drill. First comes the weather alert, then the walk around the house.

When you need siding replacement, a few careful steps will give your insurer and siding contractor better information. You’ll also be in a better position to decide whether a repair will do the job or whether replacement siding makes more sense.

Start With Photos, Notes, and a Call to Your Insurer

Photograph every damaged area you can see safely from the ground. Get a wide shot of each wall, followed by closer pictures of cracks, dents, missing pieces, and anything else that changed during the storm. Write down the date and approximate time, too. If you need a temporary repair to keep rain out, save the receipt.

Next, call your insurance company or agent. Wind and hail damage may be covered under a homeowners policy, but coverage and deductibles vary. Ask what your policy includes, how to open a claim, and whether you need approval before arranging permanent work for your home.

Your policy may also use replacement cost value or actual cash value when calculating payment. Replacement cost coverage generally pays toward repairing or replacing damaged property without subtracting depreciation, while actual cash value coverage accounts for age and condition. Your insurer can explain which one appears in your policy and what it means for your claim.

Get the Siding Damage Looked At Closely

One missing panel is easy to spot, but small cracks, loosened sections, and openings near corners or trim can be harder to see from the yard. A professional inspection gives you a clearer record of what needs attention.

Continental Siding can inspect the exterior, explain what we find, and prepare a written estimate for the work. We can also work with your adjuster as the scope is reviewed. The insurance company makes the final coverage decision.

Bring the adjuster’s paperwork to your contractor. Comparing both estimates can uncover missing measurements or areas that need another look.

Choosing Siding Replacement That Can Weather the Storm

Matching a repair to older siding can be difficult. Colors fade, product lines change, and a patch may stand out even when the installation is sound. Damage across several walls may also make a complete siding replacement the better option.

Our seamless polymer replacement siding is measured and cut at the jobsite to fit the house. Longer courses mean fewer seams across the exterior. We install it with the patented Perma-Strate Wall System^®, which allows airflow behind the siding to help prevent condensation buildup that can lead to mold.

Siding Replacement Cost Changes from House to House

No single price fits every storm-damaged home. Siding replacement cost depends on the damaged area, material, labor, and what the crew finds after the old siding comes off. Water damage underneath can change the amount of work.

Insurance coverage also affects what you pay. Your deductible, depreciation, policy limits, and approved scope all matter. Ask for an itemized estimate so you can see what is included and compare it with the claim documents.

If the remaining balance would be easier to manage over time, Continental Siding offers financing for home exterior project

Check the Warranty Before Choosing Replacement Siding

When purchasing new siding to replace storm damage, consider the warranty offered by your siding company. Find out what is covered, how long the coverage lasts, whether it transfers to a future owner, and who you contact if a problem comes up.

Continental Siding’s seamless polymer siding comes with a limited lifetime siding warranty, which offers coverage for 50 years. Take a look at what’s covered, and we’ll happily explain anything that isn’t clear.

Bring Us Your Photos and Questions

You don’t need to become an insurance expert before calling a siding company. Bring your storm photos, claim documents, and adjuster’s report if you have one. We’ll look at the house, explain the available options, and give you a written estimate you can review without rushing.

If your home needs professional siding repair or replacement, Get a FREE Quote today and let us help you LOVE YOUR HOME again.