Matching Siding Coverage for Homeowners Insurance in Ann Arbor, MI

by | Apr 4, 2022 | Insurance

People who plan to buy an older home with vinyl siding or already live in one may feel concerned about potential hail damage if a hailstorm has recently blown through the city. They know that insurance companies pay to replace damaged panels after an incident like this, but what if an exact match can’t be found anymore? An independent agent can help men and women find a product known as matching siding insurance in Ann Arbor, MI.

Understanding the Coverage

In this case, the homeowners insurance in Ann Arbor, MI pays for full replacement of the damaged siding beyond the deductible amount. It then pays the policyholder a specified amount that helps with the rest of the replacement project. A typical maximum is $20,000. Some companies offer higher maximums, but the premiums cost more as well.

A Common Problem

The problem is relatively common since vinyl siding lasts up to 40 years, and manufacturers might discontinue a product much sooner than this. Homeowners don’t want to accept having mismatched panels on the house. This detracts from the home’s appearance and has negative implications for future resale. However, paying out of pocket to replace all the undamaged panels is very expensive.

Making an Informed Decision

Before deciding to sign up for this extra coverage, homeowners should contact a vinyl siding company to learn if this particular product is still being sold. If not, is an exact match available for both color and texture? This conversation will help property owners make an informed decision about home insurance in Ann Arbor, MI.

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