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Will homeowners insurance cover damage to the home from masonite siding? |
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Answer
Your question does not provide enough info. Homeowners policies provide coverage against PERILS such as wind, water, fire, vehicle, 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 is covered. There is no coverage to replace the siding itself if it is just worn out. If the siding has been damaged by an event (tree fell on it, it was struck by flying debris) then repair of the siding would also be covered.
Answer
Additionally, if you have masonite roofing or siding, it is well known as a defective, obsolete product. Therefor What is the value? If it has no value how can you claim a loss to the product. I have been asked several times to value this product. Since it cannot be easily valued, how can you have a loss?
The old adage is if it has no value it cannot be damaged. you cannot do a dollars amount of damage to a penny!
First answer by ID0000000000. Last edit by ID3492650183. Question popularity: 161 [recommend question]
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