Here at Brevard Insurance Agency Inc., providing home insurance in the greater Brevard, NC area, we are often asked by our customers what may or may not be covered under a home insurance policy. People often ask about surfaces around the home, including the roof, driveway, or siding. Read on to learn more about the exterior siding of your home and whether siding damage is covered by a home insurance policy or not.
Is Siding Damage Covered Under a Home Insurance Policy?
Unfortunately, the answer to this question is not a simple yes or no. Siding damage might be covered under your home insurance policy if the event that damaged your home’s siding was a covered peril. For example, if hail damaged your siding, strong wind gusts ripped your siding off or fire destroyed part of your siding, the siding damage is likely covered as these are typically considered to be covered events under a home insurance policy.
On the other hand, if your siding is damaged due to a river flooding its banks and your policy excludes floods, your siding damage will probably not be covered. Additionally, siding that is damaged due to old age or poor maintenance is not covered by home insurance policies.
Siding damage may or may not be covered by a home insurance policy, depending on what caused the damage to the siding. If your siding is covered, having enough home insurance coverage is important to ensure all of the damage can be repaired.
Reach Out To Us
We at Brevard Insurance Agency Inc, providing insurance in the greater Brevard, NC region, can work with you to help you find the right policy and determine how much coverage you truly need to ensure you are fully protected against the unexpected. Call or email us now if you are in the market for a new home insurance policy.