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Damaged SidingHomeowners insurance policies provide coverage against PERILS such as wind, water, fire, lightning, etc. If your home was damaged by water/moisture due to worn or deteriorated siding and you have an all-risk policy, then the resultant interior water damage may be covered once you have repaired the defective siding product that caused the damage. The defective or worn out siding itself would not be covered.

There is no coverage to replace the siding itself if it is just worn out or defective. This would be a home maintenance issue.

If the siding has been damaged by an event (tree fell on it, it was struck by flying debris) then repair of the siding may also be covered.

AnswerAdditionally, if you have Masonite or asbestos roofing or siding, it is well known as a defective, obsolete product. What is the value? If it has no value how can you claim a loss on the product. I have been asked several times to value this product. Since it cannot be valued, how can you have a loss?

The old adage is if it has no value it cannot be damaged. you cannot discern a dollars amount of damage to a penny!

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โˆ™ 2013-11-20 07:51:15
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Q: Will homeowners insurance cover damage from masonite siding?
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will a homeowners policy cover bad Masonite siding that has been installed?

Not sure what you mean by "Bad Masonite siding"?.. If you mean they did a "bad job" installing the siding. No, Homeowners insurance does not cover poor quality or workmanship of the contractors we choose to hire.

What is Masonite siding?

Masonite is a thin type of fibreboard/particleboard with one glossy side and one textured side. Use it on the outside of a house and you get masonite siding.

Which home owners insurance company covers masonite siding?

Masonite is an outdated product removed from the market due to defect. It basically has no value. Zero Value equals Zero insurability. I don't know of an insurer that would provide coverage for Masonite siding.

Will homeowners insurance pay to replace siding that was involved in a class action lawsuit but the previous owner did not replace the siding?


Could a homeowners insurance drop you if you don't put siding on your house?

Possibly and/or maybe

Will homeowners policy cover damage to siding caused by improper installation of roof flashing where the roof shingles abut the siding?

Maybe, consult your agent or claims department and ask. Who did the work? If it was you most likely not. If it was a contractor, his insurance will cover you.

Can you paint masonite?

Masonite can be painted, but it needs to be sealed first. Sand the siding with 80-grit sandpaper or a sanding block, but do not scrape the siding, as it can dislodge chunks of the siding. Apply a layer of primer before painting.

Where can you buy masonite lap siding?

I believe Masonite quit producing siding several years ago. They lost a class action lawsuit over it. There are several other choices available, Smart Board siding seems to be a much better product. It comes in smooth and wood grain.

Does homeowner insurance cover damage to aluminum siding?

Yes, as long as it was a covered loss. 4lifeguild

Tips for Installing Vinyl Siding?

Vinyl siding is the perfect way to help protect your home. Many homeowners want to ensure that outside of their house is protected with the best possible materials. However, they are unaware of an easy tip for installing vinyl siding. Many homeowners place nails too closely to their home when installing their vinyl siding. Homeowners should ensure that they keep their siding nails placed properly or their siding may rip off during severe weather. Homeowners who properly place their siding nails will not have to have new siding installed after a strong storm.

When does home owners insurance cover siding replacement?

Homeowners will pay to replace your siding when your siding is damaged by a sudden event. Sudden events include: fire, theft, vandalism, hail, wind, rain, snow, explosion, civil riot, and more. Siding is attached to the home so it is covered under Dwelling coverage. If your siding is damaged because of wear and tear over time, your insurance policy will not pay to repair or replace your siding. The loss must be sudden, unexpected and unintentional.

Does homeowners insurance cover water damage due to poor siding installation?

No. This is a maintenance issue and not a covered cause of loss. Loss must be by a covered cause and be sudden and accidental. This loss is neither. If you had a professional install the siding I would suggest going to the installer and if they will not pay for the damages then you can always sue the installer.

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