Matching Roof and Siding Protection
When part of your roof or siding is damaged, finding an exact match for older or discontinued materials can be difficult. Matching Roof and Siding Protection helps cover the additional cost to replace or match undamaged roof surfacing or siding, so your home maintains a more uniform appearance after a covered loss.
Included with: Signature homeowners policies
Limits: Up to $20,000. This coverage does not increase any other limits in the policy.
Availability, limits and deductibles may vary by state and policy.
How does this coverage help?
After a covered loss, repairs may restore function, but they don’t always restore your home’s original look. This coverage helps when replacing only the damaged area would leave a noticeable mismatch. This coverage:
- Helps pay the reasonable cost to replace or match undamaged roof surfacing (shingles, wood shakes, slate, tile or metal paneling) or siding when part of it is damaged.
- Applies when matching materials are needed to achieve a reasonably uniform appearance.
- Meant to utilize materials of like kind and quality, subject to the coverage limit shown on the declarations page.
- A uniform appearance may help maintain your home’s value and selling potential. It may also be a requirement of some HOAs.
Plan comparison
- Essential homeowners – Payment based on Actual Cash Value (depreciation deducted) for roof and siding caused by windstorm or hail.
- Advantage homeowners – Payment based on Replacement Cost Value (no deduction for depreciation) for roof and siding damage.
- Signature homeowners – Payment based on Replacement Cost Value (no deduction for depreciation) with matching roof and siding protection (up to $20,000).
Real-life scenarios
Discontinued roof materials
Part of a homeowner’s tile roof is damaged in a covered loss, and the same tiles are no longer manufactured. The cost to replace the entire roof to achieve a uniform appearance is $18,500. This coverage will offer additional coverage to replace all roof tiles, ensuring a uniform appearance.
Siding mismatch after a wind loss
A covered wind loss damages part of a home’s siding. The original siding is no longer available, and replacing only the damaged area would result in a noticeable mismatch. The cost to replace all siding is $25,000. This endorsement would cover $20,000 out of the total $25,000 to replace the siding.
Important information
- The roof surface and/or siding must have matched at the time of loss.
- The damage must be caused by a covered event under the policy.
- This coverage is intended for situations where repaired or replaced materials do not match the existing undamaged materials well enough to create a reasonably uniform appearance.
- This coverage does not increase other policy limits and does not apply to other building materials unless required by statute.
Is this coverage right for you?
Matching Roof and Siding Protection can be a good fit if maintaining your home’s appearance is important to you after a covered loss.
It may be a good fit for you if:
- You want help covering the added cost to match undamaged roof or siding materials after a covered repair
- Your home has older, discontinued or hard to match materials
- You’re interested in Signature level homeowners coverage with added features and benefits
Matching Roof and Siding Protection is included with Signature homeowners policies, subject to availability and state requirements. An Amica representative can help you review your coverage and confirm what applies to your home and location.
Ready to decide?
Explore YourPlan homeowners options, or talk to an Amica representative to review your quotes and confirm availability in your state.
No. It provides a separate matching limit (up to $20,000) and does not increase other limits that apply to the damaged covered property.
Yes. Any covered portion of the loss is subject to your Section I deductible, unless another endorsement specifies otherwise.
The most this coverage will pay is the $20,000 limit shown on the declarations page for the endorsement. You would be responsible for costs to cover matching roof and siding above that limit.
Availability varies by state. In some states, matching may already be required under state statutes, and this endorsement may not apply or may not be offered. An Amica representative can confirm what applies in your state.
AMIC-06-041327