What the Hail? Protecting against hail damage

Pole Barn Guru Blog

What the Hail?

I’ve been visiting my son and his wife in Maryville, TN.

I used to be a competitive long-distance runner, and while I absolutely hate running, I enjoy eating whatever I want even more, so I run to eat.

My lovely daughter-in-law set me up on a four mile loop to run. Those of you who are familiar with eastern Tennessee know the foothills of the Great Smoky Mountains do actually offer the ability to have a four mile loop which is ALL UP HILL.

As my oxygen deprived body was running the loop, I noticed every house I went by, which had vinyl siding, looked as if it had been the victim of a drive by grenade attack. We are talking about serious damage.

Upon returning from my run, and spending 30 minutes flat on my back trying to recover, I asked about all of the siding damage.

Hail Damage

Hail damage from an April storm

Apparently a late April storm had brought golf ball sized hailstones to the area – creating all of the siding hail damage I witnessed.

This caused me to start to wonder about what kind of warranties the vinyl siding manufacturers had against hail damage.

On one major vinyl siding manufacturer’s website I found, “In the event of damage caused by hail during the warranty period, it is the owner’s responsibility to pursue the cost of replacement or repair of damaged material through homeowner’s insurance or any other applicable insurance coverage. Any cost incurred by the owner in excess of the insurance contribution will be reimbursed by Manufacturer (excluding any insurance deductible), except that manufacturer will not be liable for costs in excess of the value of the replacement material required to replace the material damaged by hail. Manufacturer will not be responsible for the cost of the labor required to install the vinyl siding or to replace any hail damaged material.”

This seems to be pretty consistent with the other vinyl siding hail warranties I am reading on the internet.

It seems to me – if I was going to use vinyl siding, I’d make sure I had good homeowner’s insurance.

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