As a homeowner, it’s important to have a well-built home to protect you and your family from unpredictable weather. This can sometimes mean your home having to sustain any damage brought about by the harsh elements. When this happens, you may have to spend to repair the exterior of your home, or even a roof replacement if your roof was severely damaged. So if you happen to have roofing or siding damage after a storm, here’s what you need to do first.
Understand Your Coverage
You need to check your policy so you’ll understand what it covers. You can get the best deal within that coverage by knowing what’s in your policy. If your insurance policy includes an extra provision for re-siding your home, for instance, choose to do so even if the storm damaged one area only. You may also do a supplemental claim to cover the cost of re-siding the whole home if a color match can’t be found. Of course, an approved supplemental claim still depends on the policy language and provisions of the coverage.
Make Your Claim
Before you make your claim, be sure to consult trusted roofing contractors to give you an accurate estimate. Your insurance company should give you a similar estimate; they often use the same type of software as contractors to determine the cost of damages. We also recommend contacting your individual insurance agent, and not the company itself. Filing even just two claims within five years can make your company cancel your coverage. But with your agent, they can at least help you decide whether it’s best to continue filing your claim.
Replacing Your Damaged Siding
When you’re replacing your damaged siding, locating new materials that match the look of your existing panels may sometimes become difficult. The original manufacturer might even be out of business or no longer makes the same product. If this happens, you can choose to re-side your home. This is almost exactly like making a supplemental claim, but it may not cover all the work or materials needed for your replacement.
When it comes to emergency siding replacement, there’s only one name you can count on to do the job efficiently. Hire Lexington Blue today and call (859) 368-6346. You can also contact us online through our convenient online form. We serve Georgetown and neighboring KY areas.