Picture this: a storm rolls through, damages part of your siding or roofing, and your homeowners insurance steps in to help cover the repairs. Great, right? But there’s a catch—what if the original materials aren’t made anymore?

That’s where undamaged siding or roofing coverage can make all the difference.

Why this matters

Siding and roofing manufacturers constantly update their materials and colors—every 8 to 10 years on average. So if only part of your home is damaged, it can be nearly impossible to find an exact match. Without special coverage, your insurer might only pay to repair or replace the damaged portion—leaving your house looking like a patchwork quilt.

What is Undamaged Siding or Roofing Coverage?

This is an optional add-on some insurance companies offer that covers the cost of replacing undamaged sections of your roof or siding when a match isn't available after a covered loss. In other words, you’re not stuck with a two-toned house if a portion of your exterior takes a hit.

Here’s how it generally works:

• You must experience damage from a covered event (like a windstorm or hail).

• If the replacement materials aren’t available, this coverage may pay to replace the rest—so your whole roof or side of the house matches.

• There’s usually a minimum loss threshold before the coverage kicks in, and it’s often limited to certain materials (like asphalt shingles or vinyl siding).

• Not all roofs or siding types are eligible, and some policies may require your roof to be under a certain age.

When it’s not covered

There are situations where this coverage may not apply—for example:

• If your roof is too old (often 15+ years)

• If you’re already receiving actual cash value instead of replacement cost for your roof

• If the damage doesn’t exceed the policy’s deductible or a specified minimum amount

Why you should consider it

The outside of your home is not only your first defense against the elements—it’s also the first thing people see. This coverage isn’t just about aesthetics; it’s about protecting your home’s value and curb appeal.

If you live in a neighborhood with HOA requirements or simply care about keeping your home looking its best, this can be a smart addition to your policy.

Not sure if your policy includes this protection? We’re happy to review it with you and talk through whether it’s a good fit for your home. Because when it comes to your roof and siding, close enough isn’t always good enough.