Homeowners’ policies not only cover extreme disasters such as fires and tornadoes but they also cover storm damage from hail or strong wind that could affect the functionality of your roofing/siding/windows/etc. If there is prevalent hail/wind damage to these components of your home in only certain areas (only the south side for instance) the insurance company may only pay to replace the damaged areas. However, siding and roofing manufacturers are frequently changing the style/color/composition/profile of their products, making it often impossible to match the existing roofing or siding. For those that have had a storm damage insurance claim in the past 20 years knew that if there was no match, the roofing or siding on the entire house would be replaced by the insurance company. Depending on your company or policy, that may not be the case anymore. Let’s face it, these past few years have forced everyone to tighten up their budgets and insurance companies are no exception. Recently, many insurance companies have decided that they will only replace damaged areas to a home, no matter if the new roofing or siding matches the old. Many homeowners have adjusted their policies accordingly, however, many aren’t aware of these changes, and should be advised to understand the details of their policies. Stay in contact with your agent, carefully review your coverage summaries, deductible, etc., and know what to expect if you need to open a storm damage claim. Storm season in Minnesota is often untimely and unpredictable and nobody wants to experience damage to their roofing, siding, or windows. Give yourself peace of mind by knowing what your policy covers and what you’re entitled to in those situations. If you think you’ve had storm damage to your home or have questions about this topic, feel free to give Capstone Bros Contracting, Inc a call at 952-882-8888.