Guests - If You want access to member only forums on HSO. You will gain access only when you sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

Sign in to follow this  
Followers 0
BMXKING

Vinyl Siding - Insurance Claim Question on Matching

10 posts in this topic

Has anyone been thru a claim with Home Owners Insurance on Vinyl siding. The match they found is much darker in color than the rest of the home. I think it will look weird to have some walls in a dark "new" siding, while the rest of the home is a much lighter color due to the age of the siding and weathering. Any tricks to get the insurance company to replace all the siding so it all matches like before the storm?

Thanks to anyone who can help.

Share this post


Link to post
Share on other sites

I used to sell building products during the sartell-st cloud-st michael hail storm or 1-2 years ago and ran into this with a couple of customers. Either the insurance wanted to peice in or only re-side one side, ect. It depended on which insurance company as to how easily they would re-side the whole house.

One of my customers kept requesting another appraiser come look and finally they replaced the whole thing.

Most of the time the replacement siding they came up with wouldnt install with the existing sididng, the "hooking" part was different, the texture of the woodgrain was different, and most importantly the color was off...

I also ran into it where the siding they reccomended was no longer made.

i would keep argueing (nicely) the above mentioned things, color, texture, make sure it hooks or snaps in correctly with the existing stuff.

Share this post


Link to post
Share on other sites

I do construction for a living and I have never had a insurance company pay for the rest of the siding on a house so it would match. All vinyl siding fads with age. Most of the homes Ive done the home owner has to pay for the parts that arent damaged. The down fall of using vinyl. Sorry. But you never know. Keep pushing them.

Share this post


Link to post
Share on other sites

One of the main tricks with insurance whether its home or auto is to request as many appraisers as possible. Keep pushing (nicely) to make sure you are getting the best possible outcome. The first offer is rarely a final offer.

We were able to get almost double the price for our car when it was totaled just becuase we said we weren't happy with their first offer. There was no complaint by our insurance company since they have a process for when this happens. They just went and got more estimates from local dealers that said their price was too low. No arguements needed, just pleasant convesation and simple request got us double the money.

Just like everything there is room for negotiations.

If that fails, then go to the next step and just make a pain out of yourself until they realize its easier to do the enitre house then it will be to put up with you any more.

Share this post


Link to post
Share on other sites

Make sure you also check to see if the siding manufacturer has a fade warranty.

Share this post


Link to post
Share on other sites

The house I bought had been through a hail storm damaging several pieces of vinyl.

The insurance refused to cover the whole side of the house because they stated there was a way to "fade" new siding to match and they would need a sample of the stuff on the house.

My house was only 6 years old at the time and the siding was the same. We just said "forget it" and put new siding in the areas we needed replacement

The only things we noticed was the older siding had a duller finish in the sunlight while looking head on. Over the last 2 years it has blended in pretty good

Share this post


Link to post
Share on other sites

The brother-in-law had his house totally resided as the manufacturer didn't make the same color siding anymore. The damage was only to once side of the house.

Share this post


Link to post
Share on other sites

Make sure that the new siding is actually the same as the old stuff. Sometimes they find a match that they believe is your product, but it isn't. Check to make sure the lock is the same, that the woodgrain is the same, and it should have the same labeling if any. If it all matches there is really no way to make them pay for the rest. Perhaps if you get to 50% or better of the walls damaged they will pay for everything.

Every adjuster I have ever met with has told me they don't have to pay for fading. Rather, that is an issue with the product on your house.

If you know what your siding is take it to the lumber yard and ask them to see if it is still made. I am working on a house right now that had six cracked pieces of siding. The insurance company found the siding color, style, etc. When I called the place to order the siding they said that it was discontinued. I got them to write a letter and subbmittd it to the ins. A 3 sq job went to a 30 sq job on a house that was built in 2006. Nice for me, not so nice for the insurance.

If you are unsure get a good contractor out to help you.

Share this post


Link to post
Share on other sites

The match they found is not the same manufacture, I do know that. The sample they gave me appears to be the same color and the texture appears to be the same. Our contractor is not into insurance claim jobs, so they are kinda clueless. The insurance company is sticking to the we don't cover fading. I did make a call into the manufacturer to file a warranty claim, but I have not received the kit yet. My neighbor did get the warranty claim and they offered him $100 per square. I don't think that counts for much now a days though.

Share this post


Link to post
Share on other sites

I would push to make them replace it all. Do you have AM fam or northstar mutual ins? They are going to stick to their story. If you get really upset you can go to the dept of commerce HSOforum and file a complaint.

And siding can look quite different once it gets on the wall. I would also call my agent and tell them that you are unhappy. THey usually make a call for you and that always helps. Tell him/her that you are going to leave the company. That cost them money then.

And if you are happy with the match that they found you then go with that. But 5 years from now it might happen again, and they might find something, and then you might have walls that have been sided in 3 different years

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now
Sign in to follow this  
Followers 0