Most homeowners insurance policies cover siding damage caused by covered perils including storms, hail, wind damage, and other weather-related incidents. The key is filing your claim promptly and providing proper documentation.
Insurance companies require specific documentation and may send adjusters to assess damage. Having a contractor who works with insurance companies regularly can speed up this process significantly and help ensure you get appropriate coverage.
What insurance typically won’t cover is normal wear and tear, gradual deterioration, or damage from lack of maintenance. But sudden storm damage, like what Wading River experienced during Hurricane Sandy, is usually covered under standard policies.