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House Vinal Siding - Insurance Help

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House Vinal Siding - Insurance Help

Old 06-19-2017, 11:22 AM
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Default House Vinal Siding - Insurance Help

So I've been battling my insurance company since Hurricane Matthew. My siding was damaged on about 35% of my house. After getting multiple quotes and having distribution centers write us letters stating that our siding isn't made anymore. We were not surprised since our house was built in 1989. The insurance company required us to get an iTel report which came back telling us it was in fact discontinued.

I just got off the phone with my adjustor this morning and she told me the siding can not be matched and is discontinued and is their is no consideration in our policy to replace and match. Only to repair the damaged sections.

The adjustor said I can speak to the manager who I left a voice mail with. I imagine this will continue to happen.

So I was going to call my mortgage holder next and see if they have anything they can do.

I'm going to reread my policy again tonight when I get home for some kind of verbiage


Any advice for not having a multi colored home?.

Last edited by boatn19; 06-19-2017 at 12:35 PM. Reason: grammar
Old 06-19-2017, 11:42 AM
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I hear that is normal. Just try to get close in color or do an accent panel such as shake or BNB..

What siding product was originally on the house?
Old 06-19-2017, 11:42 AM
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Homeowner or dwelling policy? Why haven't you already read your policy? Your agent involved?
Old 06-19-2017, 12:23 PM
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Originally Posted by Kenner 23 View Post
Homeowner or dwelling policy? Why haven't you already read your policy? Your agent involved?
1. Homeowner
2. This started last year. I did then. I didn't bring my policy to work.
3. Broker, can't imagine much help

Last edited by boatn19; 06-21-2017 at 10:18 AM. Reason: sp
Old 06-19-2017, 12:34 PM
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Originally Posted by washedupoffroader View Post
I hear that is normal. Just try to get close in color or do an accent panel such as shake or BNB..

What siding product was originally on the house?
Norandex
Old 06-19-2017, 12:39 PM
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They're not going to replace siding on your entire house.. If you have newer tires on your car and 2 blow out under warranty and you find out that they've been discontinued, you're not getting 4 new tires just so they can match.. Warranty/Insurance are the same thing
Old 06-19-2017, 12:56 PM
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Was it only a couple sides of the house or were all sides damaged?

Research Public Adjusters and see if you have them in your area/state.

All comes down to the policy, but if it all sides are affected, I would imagine a good case for complete replacement could be made.
Old 06-19-2017, 01:27 PM
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Originally Posted by boatn19 View Post
Norandex

That is going to be tough as Norandex has changed hands a few times and is almost out of manufacturing. I would take a sample of siding into a local supply house and see what matches best. its almost 30 years old so its probably weathered a bunch and the house might need an update..


I would do shake, BNB or stone on the front and use that material for patching.
Old 06-19-2017, 01:52 PM
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Take a sample to ABC Supply in North Charleston and see how close they can match it.

If the policy states something along the lines of 'to pay the reasonable cost of providing a substitute to match the remainder of the property as closely as possible. We do not guarantee the availability of replacements. We shall not, in the event of loss to a part, be obligated for the value of, or to repair or replace, the entire series of pieces or panels, ' you aren't going to be able to replace all the siding on your home.

Best case, as for one side to be sided for appearance. Itel should say if there was close match.
Old 06-19-2017, 01:54 PM
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Originally Posted by amofgreenville View Post
They're not going to replace siding on your entire house.. If you have newer tires on your car and 2 blow out under warranty and you find out that they've been discontinued, you're not getting 4 new tires just so they can match.. Warranty/Insurance are the same thing
Yes they will, you are comparing apples and offshore motors. Their duty is to make the insured a whole as possible, a multi-colored house will kill resale value and become a moral hazard which could burn down eventually causing a much larger loss for the company.
OP, look into a spray coating that can be applied creating a universal color and pitch to adjuster.
Old 06-19-2017, 01:54 PM
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Worst case replace the siding on 1 side of the house in the new stuff and use the old to fix the other sides. Doubt the insurance would cover it but might not be a big charge if the same contractor does the entire job.
Old 06-19-2017, 02:26 PM
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Public Adjuster. If that fails - lawyer. If you have really big balls... do the PA then do arbitration. Then do appraisal. The world will tell you that you can't sue after appraisal. Bullshit. You can. And you'll get a little more out of them. It's a wicked pain in the ass. Insurance companies are horrible lemons. But if you squeeze them hard enough, you'll get paid.
Old 06-21-2017, 10:20 AM
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Originally Posted by amofgreenville View Post
They're not going to replace siding on your entire house.. If you have newer tires on your car and 2 blow out under warranty and you find out that they've been discontinued, you're not getting 4 new tires just so they can match.. Warranty/Insurance are the same thing
That is what I was thinking, sucks that I need to replace it now but I guess I need to get quotes.

dam hurricanes. I better get it fixed before it gets ripped off again.
Old 06-21-2017, 10:21 AM
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Originally Posted by skibum View Post
Was it only a couple sides of the house or were all sides damaged?

Research Public Adjusters and see if you have them in your area/state.

All comes down to the policy, but if it all sides are affected, I would imagine a good case for complete replacement could be made.
mainly the back but on three sides.
Old 06-21-2017, 10:24 AM
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So no surprise here, the insurance company is no longer answering my calls, well the voicemails will get old.
Old 06-21-2017, 10:35 AM
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NJ insurance agent here... Sorry to hear about this. Tough to give a completely final answer without seeing the policy, but in my opinion (based on the limited info), yes, the whole house should be resided. Makes you whole again and mismatched siding is not whole.

Prior owners of my home had a small fire in the garage which damaged the siding. Unable to replace it properly, so the whole house was resided.

Client of mine had a fire in their attic damaging part of the roof shingles. They could not match the color of the shingles, therefore the whole roof was reshingled.

As for the example of the tires, that too is not completely accurate. My wife has a Subaru and we can not replace one tire... due to the AWD (or something like that), all the tires must be changed at once. The company would have to pay for all 4.
Old 06-21-2017, 10:45 AM
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What the insurance company can't do is de-value your property. It should state that or something similar somewhere in your policy. That is the argument that you should focus on.

I have done some jobs like this where the siding was removed and used on other, less damaged elevations and new siding was put up on the worst elevation. The insurance companies paid for everything in these cases.
Old 06-21-2017, 12:07 PM
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I would at least call your agent. If he won't at least make calls on your behalf to fix this it is time to find a new agent.
Old 06-21-2017, 12:24 PM
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Originally Posted by boatn19 View Post
So no surprise here, the insurance company is no longer answering my calls, well the voicemails will get old.
Clearly you didn't read my post.
Old 06-21-2017, 12:36 PM
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Originally Posted by OldPete View Post
Clearly you didn't read my post.
I did read your post but I should stop trying to work with insurance and go straight to the PA/lawyer route?

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