Yes — hail and wind damage to siding is covered under virtually all standard homeowners policies as a sudden and accidental loss. In Hollister and across Southwest Missouri, hail events that damage roofing almost always damage siding, soffit, fascia, and window wraps too. The key is proper documentation. Insurance adjusters frequently miss or underdocument siding damage on the initial inspection, especially stress fractures in vinyl that aren't visible from the ground. SMART Roof Plus documents every damaged surface and meets your adjuster on-site to make sure the full scope is captured.

Common signs include cracks or splits in vinyl panels, dents in aluminum or steel siding, chipped paint on trim boards, cracked or broken fascia, damaged window and door surrounds, and holes or punctures in soffit panels. Many of these signs — especially stress fractures in vinyl — aren't visible from the ground and require a close-up inspection of each elevation. If your Hollister neighborhood had a hail event and neighbors are filing roofing claims, your siding almost certainly has damage too. We offer free inspections with no obligation.

Missouri law gives homeowners one year from the date of loss to file a storm damage claim. However, the sooner you file, the better — adjusters can more easily attribute damage to a specific storm event when the claim is filed promptly. If you're unsure whether a recent storm caused damage to your Hollister home, call us for a free inspection before your window closes. We'll document the damage with photos and a written scope you can submit to your carrier.

For insurance claim replacements in Hollister, we install ProVia vinyl siding (44 mil and above), LP SmartSide engineered wood, and DiamondKote factory-finished panels — all premium materials that outperform standard builder-grade siding. We also replace damaged soffit and fascia with aluminum-wrapped systems and wrap window and door surrounds in custom-bent aluminum coil that never needs painting. After a hail claim, upgrading to 44 mil or higher is often the smartest move since you're already replacing the material.

Yes — meeting your adjuster on-site is a standard part of our process for every Hollister siding claim. We inspect your home first, document all damage with photos and a written scope, and then walk the property with your adjuster to make sure nothing gets missed or left off the initial claim. If the initial payout is short, we supplement with our documentation. We know what carriers look for and what they routinely miss on siding inspections.

Yes — and this is one of the biggest advantages of working with SMART Roof Plus. Because we handle roofing and every exterior surface with the same crew, we document and file the complete exterior claim at once. That means one adjuster meeting, one scope, one warranty covering everything. Most homeowners who file a roofing claim separately from a siding claim end up with gaps in coverage or conflicting documentation. We eliminate that by handling it all together.