Key takeaways
- Look at siding, gutters, trim and soft metals after any hail or high wind.
- Photograph damage right away and keep records.
- Temporary protection keeps more water out until repairs are done.
- Hidden damage behind siding can be worse than what shows.
What storms do to siding
Hail can crack vinyl, leave dents and spatter marks on aluminum and chip fiber cement. High winds can peel panels off a wall, especially on loose or poorly fastened siding. Falling limbs puncture siding and trim. After a storm, damage may show only on the walls that faced the wind.
What to look for
Cracks and holes in panels, dents in gutters, downspouts, window screens and garage doors, broken or lifted corners, missing pieces and bruising on trim. Dents in soft metals such as gutters and vents are a good indicator of hail size and direction.
Document and protect
Take clear photos of every damaged area and the surrounding property, with dates. Cover open holes with tarps or panels to keep rain out. Keep receipts for emergency repairs. Report the damage to your insurance company according to your policy.
Repair
A contractor should inspect the walls and the wall behind the damage, write down what they find and propose repairs. Matching can be a challenge on older siding, so ask early how that will be handled. Repairs should include flashing, sealant and trim, not only new panels.
Official sites to explore
Brand names and logos belong to their owners. These links open the official websites in a new tab, and we are not affiliated with them.
- Insurance Institute for Business & Home SafetyResearch on storm and hail damage and resilient building.
- Tennessee Department of Commerce and InsuranceState consumer insurance information.
- National Weather Service NashvilleForecasts and storm information for Middle Tennessee.
- FEMA: Prepare for Severe WeatherPreparing for and recovering from storms.
Quick answers
How long do I have to file a storm claim?
Policies set their own deadlines, so check yours and contact your insurer promptly.
Can small hail damage be ignored?
Small cracks and dents can let water in over time. A close inspection is wise.
Will new siding match old siding?
It can be difficult if the old siding has faded. A good contractor discusses blending options.
