If you've recently discovered damage to your home's siding, you'll want to have it repaired as soon as possible. Unfortunately, damaged siding can expose your home's framing to the elements, which can cause even more problems down the road. Not sure where to begin when it comes to addressing siding damage at your home? By following a few simple steps, you can have the necessary repairs or replacement done in no time.
Contact Your Home Insurance Agent
The first thing you'll want to do is to contact your home insurance agent to report the damage. If you carry home insurance, there's a good chance that at least some (if not all) of the damage will be covered by your policy. This is most often the case with siding damage that is caused by high winds or hail. However, other causes of siding damage (including vandalism) may also be covered, depending on your exact policy limits.
By contacting your agent, you can get the ball rolling on your claim and find out anything else you need to know about the claims process. This includes information on your deductible (where applicable) as this is the amount you'll be responsible for paying out-of-pocket.
Document the Damage Carefully
If your siding damage will be covered by insurance, your agent will most likely want detailed documentation of the damage. In some cases, your insurance company may send an adjuster out to your home to assess and document the damage themselves. Still, it's a good idea to have detailed photos and other documentation for your own records.
Consult With a Siding Professional
Whether your siding damage is covered by insurance or not, you'll need to contact a siding repair professional to give you an estimate. Depending on the extent of the damage and how difficult it will be to find replacement siding, there's also a chance that you will be quoted for total siding replacement.
If your insurance will be covering your repair or replacement, be sure to forward a copy of your estimate to your agent. From there, you'll either be given the "green light" to have the repairs done after a check is cut to your siding repair contractor or you may have to pay for the initial repairs and wait to be reimbursed by your insurance company. Either way, once repairs are done, your home will once again be properly protected from the elements.
For more information about siding, contact a company like Select Exteriors.
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