Is Siding Covered by Homeowners Insurance? Find out how siding coverage works

Siding is a vital part of your home’s exterior, protecting it from weather, pests, and other hazards.

But what happens when your siding gets damaged by a storm, fire, vandalism, or other unexpected event?

Will your homeowners insurance policy cover the cost of repairing or replacing your siding?

The answer depends on several factors, such as the type of siding you have, the cause of the damage, and the terms of your policy.

In this article, we will explore some common scenarios and explain how siding coverage works under homeowners insurance.

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What is Siding and Why is it Important?

Siding is the material that covers the outside walls of your home. It can be made of various materials, such as wood, vinyl, metal, brick, stone, or fiber cement.

Siding serves several purposes, such as:

1.Enhancing the appearance and curb appeal of your home
2.Insulating your home from heat and cold
3.Preventing water damage and mold growth
4.Deterring insects and rodents
5.Increasing the value and resale potential of your home

Siding is designed to be durable and resistant to wear and tear, but it can still get damaged by external forces.

How Does Homeowners Insurance Cover Siding?

Homeowners insurance is a type of property insurance that covers your home and its contents from various perils, such as fire, theft, vandalism, and certain natural disasters.

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The Hartford

Homeowners insurance typically consists of four main components:

1.Dwelling coverage:

This covers the structure of your home and its attached components, such as the roof, walls, windows, doors, and siding.

2.Other structures coverage

This covers the structures that are detached from your home, such as a garage, shed, fence, or gazebo.

3.Personal property coverage

This covers the items that you own and keep inside or outside your home, such as furniture, appliances, electronics, clothing, and jewelry.

4.Liability coverage

This covers the legal expenses and damages that you may incur if someone gets injured or suffers property damage on your property or because of your actions.

Depending on the type and extent of the damage, your siding may be covered by either dwelling coverage or other structures coverage.

For example, if a hailstorm damages the siding of your house, you can file a claim under dwelling coverage.

If a tree falls on your detached garage and damages its siding, you can file a claim under other structures coverage.

However, not all causes of siding damage are covered by homeowners insurance.

Your policy may have exclusions or limitations for certain perils or events that are considered uninsurable or preventable.

For example, homeowners insurance usually does not cover siding damage caused by:

1.Wear and tear or deterioration
2.Improper installation or maintenance
3.Mold, rot, or fungus

4.Termites or other insects
5.Earthquakes or floods
6.War or nuclear hazards

To find out if your siding is covered by homeowners insurance, you need to check your policy documents and declarations page.

These will list the perils that are covered and excluded by your policy, as well as the limits and deductibles that apply to each coverage.

You can also contact your insurance agent or company if you have any questions or doubts about your siding coverage.

How do you cover damaged siding?

There are different ways to cover damaged siding, depending on the type and extent of the damage. Here are some possible methods:

1.If the damage is small, such as a hole, dent, or crack, you can use exterior filler or putty to fill the gap and paint over it with a matching color.

You will need sandpaper, a putty knife, filler or putty, and exterior paint for this method.

2. If the damage is larger, but still relatively small, you can repair the siding with a patch.

You will need to cut out the damaged siding with a utility knife and remove it with a zip tool.

Then you can attach a new piece of siding with screws or nails and lock it into place with the zip tool.

You may also need to touch up with paint if the patch does not match the original siding.

Why is my siding discontinued?

Your siding may be discontinued by your insurance company for several reasons.

One possible reason is that your siding is old, worn out by normal wear and tear, which is not covered by homeowners insurance policies.

Another possible reason is that your siding is made of a material that is no longer available or manufactured, such as asbestos, wood shingles, or aluminum.

In this case, your insurance company may not be able to find a matching replacement for your siding, and may only pay for the damaged portion.

This can result in a mismatched appearance and a lower resale value for your home.


Siding is an important part of your home that can get damaged by various perils.

Whether your homeowners insurance covers your siding or not depends on the cause of the damage.

You should always check your policy documents and declarations page to see what perils are covered and excluded, and what limits your siding coverage.

You should also contact your insurance agent or company if you have any questions or doubts about your siding coverage.


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