Are there any precedents to forcing insurance company to pay to match siding.

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Are there any precedents to forcing insurance company to pay to match siding.

My home was damaged in a hail storm. I have one side of siding that is damaged all the way across, and one side with holes and cracks here and there. My siding has been discontinued. Insurance company says if a match can’t be found that’s too bad for me…they won’t pay to match. I say I have not been indemnified, because my home value will have been diminished.

Asked on June 22, 2009 under Insurance Law, Illinois

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

You or someone on your behalf needs to read your policy.  Most likely you have replacement costs associated with the siding.  That is defined in Illinois as: Replacement Cost: A determination of the cost to replace contents, rebuild your home, or repair damages with materials of like kind and quality, without subtracting for depreciation.   You may need to do some homework as to replacing the siding just to have some information to go back at them with.  You can also contact the Illinois Dept. of Insurance Consumer Services Hotline at (312) 814-2427 or the Consumer Assistance Hotline at (866) 445-5364 or on the web at www.ins.state.il.us.   Make some noise but know what your policy will cover.   


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