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Vinyl siding is durable, low-maintenance, weather-resistant, and available in various colors and styles. It also provides excellent insulation, improving energy efficiency.

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.

Hail as small as 3/4 inch (about the size of a penny) can cause damage to your siding. When hail reaches 1 inch in size, you can expect to see more cracks, chips, and holes, and hail that’s 1 and 1/4 to 1 and 1/2 inches around will cause significant damage. If you see hail that’s 1 and 1/2 inches to 2 inches or more in size, the damage is likely to be extensive and possibly even dangerous.

Not only is vinyl siding recyclable, but it’s also reusable. If your siding is in good condition after removal, you can save money on new siding and have it reapplied. It’s recommended that you clean vinyl siding once a year, but you should give it an extra wash in between uses. If your siding is damaged, small holes and cracks can be fixed with a caulk gun. For extensive damages, it’s better to drop off your vinyl siding at your local recycling center.