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Home ins. question

Old 01-08-2011, 06:33 AM
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Default Home ins. question

We picked up a new home a couple of months back and have not moved in yet cause we want to make a few upgrades prior to the move.

Anyway we had a bit of wind move through the area recently and it tore off some of the alum. siding, maybe 10-15% of the total was damaged.

My question is, if I make a claim will they want to replace only what is damaged or will they replace all the siding? As for as I know thay don't make alum. siding anymore and I don't want a home with 3 side alum and 1 side vinyl. My deductable is $500.00 cost to replace is about 2K for the house. Any thoughts?
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Old 01-08-2011, 06:36 AM
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Not a good way to start a relationship with your new insurance company. Do they know the the house is not being lived in yet?
The costs for insuring an empty home are staggering.
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Old 01-08-2011, 06:43 AM
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Originally Posted by Mist-Rest View Post
Not a good way to start a relationship with your new insurance company. Do they know the the house is not being lived in yet?
The costs for insuring an empty home are staggering.
X2, be very careful, most companies will not cover an unoccupied home.

My Mom has moved out of her house and into my sister since my Dad passed away and we have notified the insurance company. We have it listed for rent. They said if it sat empty more than 30 days we would have to get another type of policy which is for high risk.

She and my sister stay there a couple nights a week just so we can say it is "occupied" while we are cleaning everything out. She still gets her mail there

Insurance companies are VERY LEARY of an empty home and that is putting it very midly
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Old 01-08-2011, 06:50 AM
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Originally Posted by Mist-Rest View Post
Not a good way to start a relationship with your new insurance company. Do they know the the house is not being lived in yet?
The costs for insuring an empty home are staggering.

The ins. co. is our ins. co. from our old home so we've been in business with them for about 8 years now. In a way it is occupied just not by the whole family, I head over after work, sleep there do some work in the AM rinse and repeat with the exception of the weekend.
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Old 01-08-2011, 06:58 AM
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Originally Posted by 08087 View Post
The ins. co. is our ins. co. from our old home so we've been in business with them for about 8 years now. In a way it is occupied just not by the whole family, I head over after work, sleep there do some work in the AM rinse and repeat with the exception of the weekend.

MUCH BETTER


It depends on the adjuster from my experience but they typically will replace the damaged area but you will have an honest argument with them.

3-4 yrs ago I, YES I, caught our house on fire on the exterior. Long story short the trash cans out side caught on fire, ON CHRISTMAS DAY, and luckily a neighbor saw it but before we got it out it burned the vinyl siding in one area on the side of our house. Local VFD came, of which I am a board member and had to explain on Christmas Day, but had to demo some other just to make sure fire was all out.

Anyway Ins Company paid to replace that side of house in siding, but ours is white vinyl and was fairly new, siding company had replaced our siding 3-4 yrs earlier, and it was also on the side of the house that does not get much sun so it had not faded.

We were able to replace that one area and 99.9% of people(including The Admiral) can not tell it was pieced in but if I show you it is obvious.

In my case did not push the issue since I knew it would not be noticed but you have a legitimate argument but I am betting they are going to replace that side only
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Old 01-08-2011, 08:18 AM
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Do yourself a big favor and DO NOT let them know the house is vacant.
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Old 01-08-2011, 11:47 AM
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That must be a small house. 2k to vinyl side an entire house is very cheap. My experience is that some will and some won't, kinda depends on the adjuster. For some reason, it seems they are more likely to replace entire roof shingles than siding.
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Old 01-08-2011, 11:56 AM
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With the damage caused by weather I don't see where occupancy would matter at all. If you were there, would you go out and hold the siding on?

Whatever - good luck. Go Vinyl. Now is the time. Hopefully insurance will work with you and you all can reach an agreement. Get the best trim with it. There are cheap ways to trim it that look like crap.
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