The most common frustration in property claims, solved by name: the storm damages part of your siding or roof, the insurer pays to replace the damaged part, and the replacement doesn't match — because your siding was discontinued nine years ago.
Without matching coverage, a patched wall in a color that almost matches is, on most policies, a paid claim working as intended. This endorsement is built to change that outcome.
It provides coverage to replace undamaged, obsolete or discontinued siding and/or composition roof materials in the event of a covered loss — so the whole surface matches, not just the repaired patch. Two choices: a roof and siding option, or a siding-only option.
The fine print that matters: it applies to vinyl or aluminum siding and composition shingle roofs. Stucco, brick, fiber cement, tile and metal aren't in scope — most of the homes that suffer the mismatch problem are exactly the vinyl-sided, shingle-roofed homes it covers.
A June hailstorm cracks the vinyl siding on your home's north wall. The claim is covered, the adjuster is fair — and then the contractor calls: your siding profile was discontinued nine years ago, and nothing made today matches its color or shadow line. Without matching coverage, the obligation generally ends at the damaged wall, and you own a house with one bright new wall and three faded ones. With the coverage, the undamaged siding can be replaced as part of the covered loss, so the house you get back looks like the house you had: one color, all the way around.
