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!
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.
Masonite is an outdated product removed from the market due to defect.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.
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.
Possibly and/or maybe
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.
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.
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.
Yes, as long as it was a covered loss. 4lifeguild
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.
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.
Yes, in some cases you can. You should use exterior latex or acrylic paints. It would be a good idea to contact a siding company for more specific information.
Masonite siding is affordable, making it a popular choice for tract housing. It can also fall victim to moisture if not inspected and maintained on a regular basis. The siding should be checking thoroughly every spring or fall. Any cracks or gaps in the painted surface should be sanded, patched and repainted to keep it in top condition. Use a paintable caulk to take care of any gaps, cracks or other exposed areas in the masonite siding. Regular maintenance can help extend the life span beyond the average of eight to ten years.
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.
It just depends on why your siding is leaking. If it's leaking as the result of a covered peril, fire, wind or hail damage, a tree fell on it, then it would be covered subject to your deductible. If the siding is just old, worn out or of poor workmanship then it is not covered, it would be an owners maintenance issue.
masonite is used sometimes as siding . more commonly used to protect areas suxh as floors and walls in home where construction is going on . skateboard ramps . resurface stages inexpensively; many uses .
Yes, subject to your deductible unless wind damage is specifically excluded.
No, Damages to your property sustained incidental to pet ownership are considered normal and expected. "Normal Wear and Tear". Your Homeowners Insurance Policy typically provides Property Hazard insurance that covers certain sudden losses resulting from covered perils such as fire, lightning, wind, hail, theft, vandalism, etc.
Typically yes. Read your policy under Perils Insured Against. Usually if it is not excluded then it is included.
Homeowners Diminished Moral HazardYes, If your home has deteriorated due to lack of maintenance or upkeep your Insurer may cancel or not renew your Home Insurance Policy due to what they consider a diminished moral on the part of the homeowner. In layman's terms a "Moral hazard" would translate into a lack of enthusiasm in your home ownership or a diminished will to maintain your home and property.Remember that your Homeowners Insurance Policy is hazard or perils coverage. It is not a home warranty or a maintenance program.
It depends on if you're trying to replace ALL the hardboard siding or just the part that rotted out. I recommend replacing it all if you can afford it; you rent a dumpster, pry off all the siding, throw it away and install something like Hardiplank in its place. If you're trying to replace just the bottom few boards, normally Masonite siding was face-nailed--you drove nails into the laps so they went through two courses of siding. What you'll need to do here is find the nails, pull them out, and slide the bad siding out then slide good siding in. I recommend using fiber cement siding to replace even single pieces of hardboard siding. The molds they use to make it were developed to look like the molds used to make hardboard siding, so repairs are hard to spot if you can spot them at all, and it's far more durable.
Masonite siding is a combination of wood chips and products that bind them together (a type of glue or wax). While this product is strong, somewhat pliable and comes in several colors, it does have its drawbacks. It requires more care than vinyl siding and, as a wood product, is susceptible to insect infestation, mold and mildew and shows wear and tear after a few years. Like a wood deck or fence, it would require periodic maintenance. A home siding professional could best determine exactly what product was used on your home if you can't contact the builder directly.
I had a 4x8 panel on my house for 30 years. Great product. I added an addition and tried to find the siding with no luck. Used T-111, 8in on center groove to match my old panel. hard to notice the difference.
They won't replace the house but they may replace the siding.
Yes. Tornadoes cause damage ranging from minor damage to roofs and siding to the complete destruction of neighborhoods.