Can James Hardie Siding Give You an Insurance Discount?
Having James Hardie fiber cement siding installed on your home could actually give you a homeowner's insurance discount? Because it just might do exactly that!
James Hardie is the leading manufacturer of fiber cement siding. Their superior products come in a large variety of styles and colors and are extremely durable. This siding has many additional advantages and looks beautiful on top of that.
Home Insurance Discount and James Hardie Siding
If you have fiber cement siding installed on your home, you should check with your insurance agent. It might even be worth a quick phone call before you have any new siding installed on your home. If you indeed qualify for this discount on your insurance, you can factor that into the initial installation price, making this an even easier choice.
To verify if your insurance company offers discounts because of fiber cement siding, you should contact them directly and they will be able to tell you. There are a few reasons for this potential insurance discount. Here are the top three reasons you may get a discount:
Fiber Cement Siding is Non-combustible
You may be eligible for an insurance discount because James Hardie fiber cement is fire resistant and non-combustible. The siding itself will not burn and thus will not add fuel to a fire. However, the heat does transfer through the siding. The fiber cement can slow the fire down but it will allow the heat to pass through it.
The fire resistance is due to the material and the way it is made. The siding uses cement, cellulose plant fibers, silica, and water. Silica in particular is fire resistant by nature. Because of this combination of materials and due to its manufacturing process, the siding is non-combustible.
Fiber cement siding will not melt or warp. The fact that it will not catch fire is a huge advantage compared to other siding materials. Even fire departments have recognized this and are often recommending fiber cement siding because of this.
If you want to take additional precautionary measures you can add a one-hour interior wallboard that resists burning to the siding assembly. This can buy yourself and firefighters valuable time to contain the fire and get out of the home safely.
Fiber Cement Siding is Impact Resistant
One of the main reasons that siding gets damaged is by impact. That is an important thing to keep in mind when selecting siding, especially if you live in a place like Colorado where severe wind and hail storms are a frequent occurrence.
Fiber cement siding may offer an insurance discount as it is not damaged by flying debris or hail as easily as other siding materials, such as vinyl for example. This will make it far less likely that it will require repairs or need to be replaced after a severe storm. Insurance companies recognize that and might reward it by giving you a discount on your premium.
James Hardie Has Other Resistances and Durability
Fiber cement siding has additional resistances as well. It does not attract pests like insects such as termites, or even woodpeckers. That will most likely mean a longer lifespan for your siding and less things for you to worry about as well.
The material used to make this siding also repels water. When water gets under your siding it can cause many issues. Water damage can lead to mold, mildew, and rot. If your siding is less prone to that, your insurance company might reward you for having it installed.
James Hardie fiber cement siding is extremely durable. It can last several decades, especially if it is well maintained, which does not take much. In addition, James Hardie offers fantastic warranties with a 30-year product and 15-year finish warranty.
These warranties and the durability itself will most likely mean that you do not need to replace it as often as other sidings. Additionally, this siding will not swell, peel, or crack. It stands up well to the Colorado climate and its varying weather.
If your insurance company sees the value in all of these resistances and the money, they might save because of that, they might offer you a discount. It is always a good idea to simply check with them and see what they might offer.
Colorado Siding Repair is Your James Hardie Siding Expert
Colorado Siding Repair is proud to be a James Hardie Elite Preferred contractor. Our team members are factory trained to install these premium products correctly. That way they will last longest and perform best. We will install this siding right, the first time, every time.
We can help you figure out what siding is best for you and what would give you the best discounts on your insurance. For that we never use high pressure sale tactics but always take the educational approach.
This approach gives you all the important facts you need to make an informed decision. Together we can determine what is best for you, your home, and your budget. We offer financing options so that you can get the siding you really want for your home.
Contact us with any questions you may have, we are always happy to help. We are your trusted siding guide, as well as your trusted guide for other exterior remodeling projects. In addition to installing siding, we also install windows and insulation and paint the exterior of your home.
Call Colorado Siding Repair today to get a hassle-free quote! Let’s get started on making the exterior of your home look beautiful and get you the insurance discount that could go with it!