Hailstorms can be a homeowner’s worst nightmare, causing significant damage to your home’s exterior, particularly the siding.
While the immediate aftermath of a hailstorm can be overwhelming you can feel prepared and calm by understanding:
- The signs of hail damage to siding
- Its potential dangers
- Insurance coverage
- Replacement costs
- The most durable siding materials
We’ll cover that and more in this handy blog post written by our siding experts!
What Does Hail Damage to Siding Look Like?
Identifying hail damage to siding is crucial for timely repairs. Here’s what to look for:
- Dents and Dings: These are small, round indentations on metal sidings like aluminum.
- Cracks and Splits: Vinyl siding is prone to cracking or splitting upon impact.
- Chips and Holes: Larger hailstones can cause chips or even puncture holes through siding materials.
- Paint Damage: Hail can strip or chip the paint off your siding, leading to exposed surfaces.
- Warping and Buckling: Severe hailstorms can cause siding to warp or buckle, particularly if it was already compromised.
The Dangers of Hail Damage for Your Home’s Exterior
Hail damage goes beyond mere aesthetics. Ignoring it can lead to several problems:
- Water Infiltration: Cracks and holes in the siding can allow water to seep in, leading to mold growth and structural damage.
- Decreased Energy Efficiency: Damaged siding can compromise your home’s insulation, leading to higher energy bills.
- Pest Infestation: Gaps and holes can provide entry points for pests, leading to infestations.
- Reduced Home Value: Hail damage can significantly diminish your home’s curb appeal and market value.
- Potential for Further Damage: Neglecting repairs can exacerbate the damage, eventually requiring more extensive and costly repairs.
Will Insurance Cover Hail Damage to Siding?
One of the first questions homeowners ask after a hailstorm is whether their insurance will cover the damage. The answer largely depends on your insurance policy and the extent of the damage.
Homeowners Insurance Policies:
Most standard homeowners insurance policies cover hail damage. However, it’s essential to review your policy details and confirm the specific terms and conditions.
Deductibles:
Be aware of your policy’s deductible. This is the amount you’ll need to pay out of pocket before your insurance kicks in.
Filing a Claim:
Document the damage with photos and contact your insurance company as soon as possible to file a claim. Some insurers may require an inspection by their adjuster.
Exclusions and Limitations:
Certain policies may have exclusions or limitations, particularly if you live in a hail-prone area. Ensure you’re aware of these details to avoid surprises.
Out-of-Pocket Siding Replacement Costs
If your insurance doesn’t cover the damage or you’re considering upgrading your siding, it’s crucial to understand the potential costs involved.
Cost Factors:
The cost of replacing siding varies based on several factors, including the material, labor, and the size of your home.
Material Costs:
- Vinyl Siding: Typically ranges from $2 to $7 per square foot.
- Aluminum Siding: Usually costs between $3 and $6 per square foot.
- Fiber Cement Siding: Can range from $5 to $10 per square foot.
- Wood Siding: Generally costs between $5 and $10 per square foot.
- Brick Veneer Siding: One of the more expensive options, ranging from $8 to $12 per square foot
Labor Costs:
Labor costs can vary widely based on your location and the complexity of the job. On average, expect to pay between $1 and $3 per square foot for installation.
Additional Costs:
Don’t forget to factor in additional costs, such as disposal of old siding, permits, and any necessary repairs to the underlying structure.
The Most Durable Siding Materials
Choosing durable siding materials can help protect your home from future hail damage and reduce long-term maintenance costs. Here are some of the best options:
Fiber Cement Siding:
✅ Pros:
- Highly durable and resistant to hail, fire, and insects.
- Mimics the appearance of wood without the associated maintenance.
❌ Cons:
Heavier and more expensive than vinyl or aluminum.
Engineered Wood Siding:
✅ Pros:
- Combines the aesthetic appeal of wood with enhanced durability and resistance to moisture and insects.
❌ Cons:
- Can be more expensive than traditional wood siding.
Steel Siding:
✅ Pros:
- Extremely durable and resistant to hail, fire, and insects.
- Low maintenance and available in various styles.
❌ Cons:
- Can be more expensive and prone to rust if not properly coated.
Vinyl Siding:
✅ Pros:
- Cost-effective and available in a wide range of colors and styles.
- Resistant to moisture and insects.
❌ Cons:
- Less durable than other materials and can crack or fade over time.
Brick Veneer Siding:
✅ Pros:
- Highly durable and resistant to fire, insects, and rot.
- Provides excellent insulation and soundproofing.
❌ Cons:
- One of the most expensive siding options and requires a solid foundation for support.
Hail Storm? Open Box Has You Covered!
Hail damage to siding is a common issue that can have serious consequences if left unaddressed. If you suspect hail damage to your siding, don’t wait to take action. Contact your insurance provider, document the damage, and consider consulting with a professional siding contractor to assess the situation and recommend the best course of action.
For personalized advice and a detailed assessment of your siding needs, feel free to reach out to our team of experts at Open Box Roofing. We’re here to help you protect your home and achieve peace of mind.
Stay safe and proactive, homeowners!
