It depends on the cause. Most standard homeowners policies cover siding damage from sudden events like hail, wind, fallen trees, and fire. They don't cover damage that built up over time from deferred maintenance or normal aging. If a storm came through and left visible impact marks or cracked panels, there's a reasonable chance you have a covered claim. The catch is that insurers sometimes push back on partial siding claims when they can't match the replacement panels to existing siding perfectly. Document the damage with photos before you call anyone, then call us. We've worked through the insurance process on storm damage jobs before and we can help you understand what you're looking at before you file anything.