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What Is Matching Coverage On My Homeowners Insurance?

By November 13, 2022No Comments

If you’ve ever filed a homeowners insurance claim, you know that the process can be complicated and time-consuming. One of the most common issues that arises during the claims process is finding replacement materials that match the existing roofing and siding on your home. If you don’t have matching roofing and siding coverage as part of your policy, you could be facing a significant financial burden to replace your entire roof or redo your siding. 

In this post, we’ll explain what matching roofing and siding coverage is and why it’s so important. We’ll also provide some tips on how to ensure that you have this coverage in place before you need it.

What is Matching Roofing and Siding Coverage?

Matching roofing and siding coverage is an endorsement that can be added to your homeowner’s insurance policy. This endorsement provides coverage for the cost to replace your entire roof or redo your siding if damaged materials can’t be matched.

For example, let’s say a severe storm rolls through your neighborhood and damages your roof. You file a claim with your insurance company, but when the adjuster comes out to inspect the damage, they determine that the shingles on your roof are no longer made and can’t be matched.

If you have matching roofing and siding coverage as part of your policy, your insurance company will cover the cost to replace your entire roof.

Why is Matching Roofing and Siding Coverage Important?

Matching roofing and siding coverage is important because it protects you from having to pay for expensive repairs out of pocket. Replacing an entire roof can cost tens of thousands of dollars, so having this coverage in place can save you a lot of money if you ever need to file a claim.

How Do I Make Sure I Have Matching Roofing and Siding Coverage? 

The best way to make sure you have matching roofing and siding coverage is to speak with your insurance agent about adding this endorsement to your policy. Many insurance companies offer this coverage for a relatively small additional premium, so it’s definitely worth considering if you live in an area that’s prone to severe weather conditions like hail or high winds.

If you’re a homeowner, it’s important to understand all aspects of your homeowner’s insurance policy—including matching roofing and siding coverage. This inexpensive endorsement can save you thousands of dollars if damage to your roof or siding requires repairs that can’t be matched. Be sure to ask your insurance agent about adding this coverage to your policy if you don’t already have it in place.

If you have any questions about your current coverages, schedule a call with our team at the link below. Even if you’re not a current client!

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