Siding in a storm claim.
Hail hits the roof and the walls in the same minute, and claims routinely pay for one of them. L&N runs full-property storm claims in Colorado Springs as the general contractor: we write the whole scope, manage it through the carrier, and bring in the siding trades to do the wall work. This section is about the siding half of a claim and how it gets handled.
We are the general contractor on the claim.
Roofing is what our own crews perform. When a storm claim reaches past the roofline to siding, wrap, trim, soffit, fascia and gutters, we take the general contracting role on the property: one inspection, one scope of loss, one schedule, one company answerable for the finished result. The cladding itself is performed by siding trades we bring in and supervise. Plenty of companies are vague about that arrangement. We are not.
That arrangement exists because a hail claim is not a collection of separate jobs. It is one loss with one deductible, one adjuster, and one settlement. Splitting it across three companies who each write their own estimate is how homeowners end up with a roof paid at replacement cost and elevations paid at nothing, and with nobody willing to own the seam where two trades meet.
What we are not is a company you call to change the look of your house. There is no storm event behind a cosmetic re-side, so there is no claim, and honestly there are firms in this market better set up for that work than we are. Our value is in the claim: knowing what belongs in the scope, documenting it properly, and getting it paid. You can see the rest of what we do from our homepage.
Why the walls take it too, in this county.
El Paso County averages seven to ten severe hail days a year, with June consistently the worst month. Hail that falls straight down damages the roof. Hail driven sideways by the same storm damages whichever elevation the cell came from. The June 2026 season delivered both. On June 22 the National Weather Service confirmed 70 mph gusts across southern El Paso County, through Fountain, Security-Widefield and south Colorado Springs, and hail riding wind like that arrives at the walls, not the roof.
Wall damage reads differently from roof damage and that is why it gets missed. There is no obvious granule loss to point at. What you get is chipped or cracked cladding, punctures behind an impact, and marks that are only visible when somebody stands close and sights along the surface at a low angle rather than looking at it straight on from the driveway. Damage on one elevation and nothing on the other three is the normal pattern, not a reason for suspicion.
It also does not stay cosmetic. Cladding is a rain screen over a weather barrier, and once it is punctured, wind-driven rain and snowmelt get behind it. At 6,035 feet with 38 to 45 snow days a year and summer UV in the 9 to 11 range, an exposed wrap does not last long. A wall that was written off as cosmetic after one storm is often a sheathing problem two winters later, long past the point where anyone will pay for it.
Hail damage siding repair
The siding half of a hail claim is the part that most often goes unpaid, because the evidence is subtle and nobody looked for it. This page covers what hail does to each kind of cladding, why impact marks on a wall are easy to miss from the ground, and how the repair portion actually gets scoped and performed once it is in the claim. Read about hail damage siding repair.
Storm damage siding replacement
There is a point where patching a wall stops being honest work and replacement is the correct scope. This page is about where that line sits, what water does once it is behind cladding, how a replacement runs from tear-off through wrap and trim, and why wind claims and hail claims on the same wall are argued on different grounds. Read about storm damage siding replacement.
Full exterior storm restoration
Roof, gutters and siding scoped as one loss instead of three conversations. This page explains why the completeness of the estimate decides what a claim pays, what a full exterior inspection covers, the order the trades have to run in, and who physically does each part of the work on your property. Read about full exterior storm restoration.
Insurance claim general contracting
When a claim touches more than one trade, somebody has to author the scope, sequence the work and answer for the finished property. This page sets out what that role covers, how it is paid for within a settlement rather than added on top of it, and — just as usefully — where our authority stops and yours begins. Read about insurance claim general contracting.
How a full-property claim runs.
The same four steps whether the walls end up in the scope or not. Step two is where siding is won or lost.
Whole-property inspection
Roof, gutters, downspouts and all four elevations, photographed and dated. Walls get looked at along the surface at a low angle, not glanced at from the driveway.
One scope in Xactimate
Everything in a single estimate, written in the same platform your adjuster uses. A claim only pays for what somebody put in writing, so this is the step that decides the outcome.
Carrier review and supplements
We meet the adjuster on site where we can, and supplement in writing when something was missed or found once work opened up. Disagreement is normal and is handled on documentation.
Sequenced execution
Roof first, then walls, then gutters, because that is the order that avoids damaging finished work. You get a single schedule and a single company responsible at the end.
When we are the wrong call.
If there is no storm behind it, there is no claim, and a claim is what we are good at. A planned exterior remodel, a material upgrade you have been saving for, a new build — those are somebody else's job and we would rather point you elsewhere than take work we are not the best fit for.
We will also tell you when the walls are fine. Not every storm that damages a roof damages the cladding, and writing elevations into a scope that do not belong there is how a claim gets denied in full rather than trimmed. L&N has worked in this market for 15 years, insured and local, and the whole point of an honest inspection is that sometimes the answer is no.
Get the Whole Property Looked At
Tell us which storm you think did it. We'll inspect the roof and all four elevations and tell you honestly what belongs in a claim.
Siding & Claim Scope Questions
Siding is in scope on the storm claims we run, and we are the ones responsible for the finished property. We do not self-perform the cladding — our own crews are roofers. On a full-property claim we write the whole scope, manage the claim, and bring in siding trades to do the wall work under our supervision. If what you want is a cosmetic re-side with no storm event behind it, we are not the right call and we will say so on the phone.
Storm damage to siding is generally covered under the same policy and the same loss as the roof — it is one event, not two. The usual problem is not coverage, it is scope: the estimate gets written for the roof and the elevations get a cursory look. Colorado policies typically promise replacement with materials of like kind and quality, and Colorado courts have read that contract language to support matching where the wording is ambiguous. That is a contract obligation rather than a statutory one, and it is the argument most siding portions turn on.
We do not publish per-square-foot numbers, and on a storm claim the figure that matters is not a menu price anyway — it is what the agreed scope of loss pays for at local pricing. What moves it is the cladding material, how many elevations are affected, whether the damage is repairable or the wall has to come off, how much wrap and trim goes back, and whether matching is achievable. We measure, write the scope in Xactimate, and show you the line items.
Sometimes, and sometimes that is exactly what the carrier will offer. Whether it is acceptable depends on whether the replacement material can be matched to the untouched walls. A north elevation that has weathered for fifteen years next to a freshly clad south wall in current stock is a visible difference, and that is the ground on which matching gets argued. We document the condition of every elevation so the question is decided on evidence rather than on what is easiest to approve.
One year from the date of loss to report it to your insurer, which puts the June 2026 storms on a June 2027 clock. Siding is the part of a loss that gets found late, because impact marks on a wall are easy to miss until somebody stands close and looks along the surface at a low angle. If a storm went through your neighborhood and nobody has looked at the walls, do it while the window is open.
Our own crews do the roofing. Siding and the other exterior trades are subcontracted to crews we work with regularly, scheduled and supervised by us. You deal with one company, one scope and one schedule rather than chasing three trades. If a subcontractor does something wrong, that is our problem to fix, not yours to referee.
Hail took the roof. Check the walls.
We'll look at the roof and all four walls in one visit and give you a straight answer about what your policy actually owes.
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