Siding Repair, Replacement & Complete Exterior Protection

Yes — hail and wind damage to siding is covered under virtually all standard homeowners policies as a sudden and accidental loss. The key is proper documentation. Insurance adjusters frequently miss or underdocument siding damage on the initial inspection, especially on vinyl siding where cracks and stress fractures can be subtle. SMART Roof Plus documents every damaged panel, trim board, soffit, and fascia section 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 wood siding, cracked trim boards, and damaged soffit or fascia. Some hail damage — particularly stress fractures in vinyl — isn't visible from the ground and requires a close-up inspection of each elevation. If your area had a hail event and your neighbors are filing claims, your siding likely 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, call us for a free inspection before your window closes.

In most cases, yes. ProVia and LP SmartSide both offer extensive color libraries, and DiamondKote can be factory-finished to a custom color. For aluminum wraps, we custom-bend and paint on site to match your existing or new siding color exactly. For insurance claims involving partial replacement, we work to match the existing siding as closely as possible — and in many cases can supplement for full replacement when a match isn't available.

Standard builder-grade vinyl siding is typically 40 mil or thinner. At 44 mil and above, ProVia siding is significantly more rigid, more impact-resistant, and holds its color and shape far longer. In Missouri's climate — with hail, temperature swings, and UV exposure — the difference is noticeable within the first few years. After a hail claim, upgrading to 44 mil or higher is often the smartest move since you're already replacing the material.

A typical siding replacement on a 2,000 sq ft home takes 2–4 days depending on complexity. Aluminum wrap packages for fascia, soffit, and windows can often be completed in 1–2 days. For insurance claim replacements, we coordinate the schedule around your adjuster approval timeline and material lead times. We'll give you a firm timeline before work begins.