How to File an Insurance Claim for Siding Damage in Ohio

Dealing with siding damage can be a lot—especially when figuring out how to handle your insurance claim. Whether the damage came from a storm, hail, or wind, understanding what steps to take can make the process smoother and help you get the coverage you deserve.

At American Way Exteriors, we’ve worked with many Ohio homeowners through this process and know how confusing it can feel. Here’s a simple guide to help you file an insurance claim for siding damage.

Step 1: Inspect and Document the Damage

As soon as you notice siding damage, take photos or videos of the affected areas. Include wide shots of your home and close-ups that clearly show cracks, dents, or missing pieces. This documentation will be useful for your insurance adjuster later on.

If it’s safe, check around your home for any debris or signs of impact—like hailstones, fallen branches, or wind-blown objects. These details help show the cause of damage, which is important for your claim.

Step 2: Contact a Trusted Local Contractor

Before you contact your insurance company, it’s a good idea to have a qualified siding contractor inspect your home. A professional will be able to assess the full extent of the damage and provide a report.

We offer siding inspections for homeowners throughout Ohio. We’ll let you know whether the damage is cosmetic or structural, and provide a detailed report that can help support your claim.

Step 3: File Your Insurance Claim

Once you have your inspection report and documentation ready, contact your insurance provider to start the claim. They’ll ask for basic information such as:

• The date of the incident
• What caused the damage (hail, wind, etc.)
• A description of the areas affected
• Any supporting photos or contractor reports

Be sure to write down your claim number and the contact information for your assigned adjuster.

Step 4: Meet with the Adjuster

Your insurance company will schedule an inspection with their adjuster to verify the damage. Having your contractor present during this visit can make a big difference.

At American Way Exteriors, we often meet with adjusters on behalf of our customers to make sure all damage is properly identified. This helps ensure nothing gets overlooked and that the repair estimate is accurate.

Step 5: Review the Estimate and Start Repairs

Once your claim is approved, your insurance company will provide an estimate of what they’ll cover. Review it carefully with your contractor to confirm it includes everything needed for proper repairs or replacement.

If you’re replacing your siding, consider upgrading to a more durable option like James Hardie fiber cement siding. It’s built to handle Ohio’s weather and offers long-term protection for your home.

Step 6: Keep All Records

Throughout the process, keep copies of all paperwork—inspection reports, estimates, receipts, and claim documents. These records can help if questions come up later or if you ever need to reference the claim again.

Need Help Navigating Your Claim?

If your siding has been damaged and you’re unsure where to start, we can help. We work with homeowners across Ohio to inspect, document, and repair siding after storm or weather-related damage.

We’ll walk you through every step—from inspection to installation—so you can feel confident that your home is restored the right way.

Contact American Way Exteriors today for a siding inspection or help filing your insurance claim.

‍