Siding and Roofing Matching Coverage
Typically we only replace siding or roofing that is actually damaged in a covered loss. For instance, if a car hit your garage we would replace only the damaged siding on your garage. We would not replace the undamaged siding on the rest of your home.
Sometimes the siding or roofing on your house may no longer be manufactured, and we will have to use a product that is close but not exactly the same as the rest of the home.
This endorsement provides coverage to redo your entire home’s roofing or siding after a loss so that it is all an exact match.
Coverage only applies if your siding or roofing is no longer being manufactured. For additional premium this coverage can apply if the mismatch is caused by fading or sun bleaching of the undamaged siding or roofing, even if it is still manufactured.
This additional coverage only applies to the following items, which must be less than 16 years old at the time of loss:
- Vinyl siding
- Aluminum siding
- 3-tab asphalt shingles
- Architectural asphalt shingles
What's not covered?
This coverage does not apply to the mismatch of siding or shingles caused by:
- Color change or fading (unless this option is purchased for additional premium)
- Wear and tear
- Marring, scratching, or deterioration
This coverage does not apply to T-Lock shingles, asbestos shingles, metal roofing, brick, stone, cement siding, or any other item not specifically listed above.