Whether in the driftless region, the Fox Valley, up north or near Lake Michigan’s coast, Wisconsin homeowners know that every season brings chances for damage to home exteriors. No question - homeowners insurance is a must in the Midwest. While it’s great to know your homeowner’s insurance will help repair damages, have you thought about what the repairs will look like?
When exterior damage is bad enough to require repair, but doesn’t warrant full replacement of roof or siding systems, insurance companies offering standard homeowners coverage in WI are only required by law to replace the damaged portions. More importantly, replacement materials are only required to be “of like kind and quality”, which does not necessarily mean an exact match.
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Siding and roof matching insurance extends coverage of a standard homeowners policy beyond replacement and repair to ensure siding and shingles used will match, including a full system replacement in the event uniform undamaged replacement components can’t be found. When wind, snow, ice or debris damage sections of roofing and siding materials - but not enough to require complete replacement - the new materials must match (as closely as possible) the existing, undamaged shingles or siding.
Consider matching coverage an assurance of aesthetic uniformity in the event of partial replacement of shingles, soffits fascia or siding. Without it, insurance companies are not obligated to ensure matching material color, type, size, or condition outside of what’s reasonably available.
A standard homeowners insurance policy will typically cover the cost of replacing the damaged portions of your home’s exterior. With matching insurance in place, the insurer will reimburse replacement (up to a predetermined dollar amount) of undamaged materials so that the materials match. The policyholder will pay a monthly premium to cover part of the disbursement.
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While most homeowners’ insurance policies cover repair and replacement of damaged materials, it’s important to note they’re only required to replace damaged portions. Also, the obligation to make sure the house looks aesthetically uniform is not a requirement for insurance companies. Finally, insurers are not required to replace entire systems if suitable matching materials cannot be found…and “suitable” is a very subjective term. That means a homeowner will be faced with two unpleasant choices:
A siding and roof matching endorsement gives homeowners the option to replace mismatched, but undamaged siding or roofing when replacement of damaged materials create an aesthetic mismatch. So, if a damaged portion of the roof or siding needs replacement but no matching material can be found, this endorsement can cover the cost of most, if not a full replacement.
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What's your risk?
Even with warranty coverage from manufacturers or contractors covering damage from wind or hail, there’s virtually no scenario where homeowners are immune to material replacement mismatching. There are some factors that increase the likelihood of these scenarios, including:
Thankfully, siding and roof matching insurance offered by Ansay’s partner carriers provides the additional coverage that keeps your home looking its best after damages occur.
Protect your Home
Ansay’s team of insurance experts, along with our partner carriers, understand that your home is an investment in more ways than one. The nagging feeling of seeing your mismatched roofing or siding each time you pull into your driveway affects more than your sense of style - it can lower a home’s value and its curb appeal. We connect our clients with customized siding and roof matching insurance policies tailored to their situations, offering real advice on coverage amounts and expected risk.
Our network of top-rated insurance providers allows us to get you the coverage you need at the most competitive price, helping you maintain the commitment to your home that it deserves.
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There are several other insurance products that complement Roofing & Siding Matching Insurance:
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