Cosmetic Damage To Home Siding

Insurance companies should make it whole even if the home still functions.

Cosmetic damage to home siding.

We have ran into the insurance adjuster who wants to argue that the damage to your siding is only cosmetic and does not effect the functionality of the cladding. If you hire a professional to repair your siding they can help with major siding damage as well as minor cosmetic concerns. It plywood siding is an all wood exterior grade panel. While your homeowners insurance replaces siding damage from specific types of losses.

Cosmetic damage while the matching issue involves repairing truly damaged or destroyed property and the ensuing problems that result when the repaired section of a roof siding or cabinetry for example does not match the remainder of the roof siding or cabinetry in appearance. Siding professionals can repair water damage pest damage dings and dents large cracks or holes peeling mold or mildew or discoloration. In an attempt to limit coverage for non functional damage insurers have begun to include the cosmetic damage exclusion. The color type and material of siding define your home s style.

A home with siding that s dented keeps working but it looks terrible and will cause the home to drop in value hunter points out. It s generally defined as damage that affects the appearance of a property but does not interfere with the function of the damaged area. Yes the damage does not effect how the siding functions which is to provide the exterior of you home with a protective waterproof and weatherproof shield against the elements. Robert hunter director of insurance for the consumer federation of america in washington d c says the big problem for homeowners is determining what constitutes cosmetic damage.

Cosmetic damage while the matching issue involves repairing truly damaged or destroyed property and the ensuing problems that result when the repaired section of a roof siding or cabinetry. This is a lawsuit waiting to happen because of the ambiguous definition of cosmetic damage. A home with siding that s dented keeps working but it looks terrible and will cause the home to drop in value says hunter. Though you work hard to protect your home you can still be faced with unexpected challenges.

Plywood siding features a rough sawn textured face for a beautiful rustic appearance. Plywood siding is an all wood exterior grade panel. It is ideal for siding applications from new home construction utility buildings planters dog houses and other remodeling or do it yourself projects.