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By: MacGregor C. Howey

Owner of Equilibrium Insurance Partners

419-386-0870

Homeowners in Ohio face unique challenges when it comes to maintaining and protecting their properties. With the state ranking ninth nationally for home repairs and insurance rates rising sharply, understanding the role of siding installers insurance is crucial for both contractors and homeowners. This article breaks down everything you need to know about Ohio siding installers insurance, from why it matters to how it protects you and your home investment.

Why Siding Installation Is a Growing Concern in Ohio

Ohio’s housing market has seen increased activity in home repairs and renovations, driven by weather-related damage and aging properties. A recent study by Cinch Home Services ranked Ohio ninth among states with the most home repairs, with an average monthly search volume of nearly 300,000 for home repair topics. This high demand reflects the ongoing need for home maintenance, including siding replacement and repair, which is often the first line of defense against the elements.


With storms and fluctuating weather patterns becoming more frequent, siding damage has become a common issue. According to a nationwide survey commissioned by Alside, over half of American homeowners have replaced their siding, primarily due to damage, followed by aesthetic reasons. This trend is particularly relevant in Ohio, where weather extremes can accelerate siding wear and tear.


Given these factors, siding installation projects are booming. MyHomeQuote reports that Ohio processes over 12,000 homeowner requests for siding projects daily, with around 80,000 renovation projects completed annually. This surge highlights the importance of working with qualified siding installers who carry proper insurance coverage to protect both themselves and their clients.


Moreover, the choice of siding material is becoming increasingly significant for homeowners. Vinyl siding, for instance, is gaining popularity due to its durability, low maintenance, and energy efficiency. In Ohio, where winters can be harsh and summers humid, homeowners are looking for materials that can withstand these extremes while also providing insulation benefits. Fiber cement siding has also emerged as a strong contender, offering the aesthetic appeal of wood with enhanced resistance to rot and pests. As homeowners become more educated about their options, the demand for high-quality materials and skilled installation is likely to grow even further.


In addition to the practical aspects of siding installation, there is also a growing awareness of the environmental impact of home renovations. Many Ohio residents are now considering eco-friendly siding options, such as reclaimed wood or sustainable materials that reduce carbon footprints. This shift not only reflects a desire for sustainable living but also aligns with broader trends in the housing market, where energy efficiency and environmental responsibility are becoming key selling points. As such, siding installation is not just about aesthetics or protection; it is increasingly intertwined with the values of sustainability and energy conservation that resonate with modern homeowners.

The Importance of Insurance for Ohio Siding Installers

Insurance is a critical component for siding installers operating in Ohio. It serves as a safeguard against the financial risks associated with property damage, accidents, and liability claims during installation projects. Without proper insurance, contractors and homeowners alike could face costly legal and repair expenses.


One of the key reasons insurance is essential is due to the rising cost of building materials. Jim Berlon, an agent with Farmers Insurance in Kettering, points out that the cost of building materials has more than doubled since March 2020. This increase contributes directly to higher homeowners insurance premiums and repair costs, making it even more important for siding contractors to have coverage that can handle potential claims involving expensive materials.


Moreover, Ohio’s climate poses unique risks. From heavy snow and ice in winter to thunderstorms and hail in warmer months, siding installers must be prepared for weather-related damages that can occur during or after installation. Insurance policies tailored for siding contractors typically cover property damage, bodily injury, and even product liability, ensuring comprehensive protection.


In addition to the physical risks associated with the job, there are also legal considerations that siding installers must navigate. Ohio has specific regulations regarding construction and contracting, and failing to comply with these laws can lead to significant fines and legal challenges. Having liability insurance not only protects installers from potential lawsuits but also demonstrates professionalism and reliability to clients, which can enhance their reputation in a competitive market. Clients are more likely to trust contractors who carry adequate insurance, knowing that they are protected from unforeseen circumstances that could arise during the project.


Furthermore, the nature of siding installation work often involves interacting with multiple stakeholders, including homeowners, suppliers, and subcontractors. Each of these interactions carries its own risks, from disputes over workmanship to issues related to materials supplied. Insurance can provide a safety net in these situations, covering legal fees and settlements that may arise from disputes. This peace of mind allows siding installers to focus on their craft, ensuring that they deliver quality work without the looming worry of potential financial repercussions from accidents or disputes.

Types of Insurance Coverage Siding Installers Should Consider

Siding installers in Ohio should consider a range of insurance coverages to protect their business and clients effectively. The most common types include:


  • General Liability Insurance: Covers bodily injury and property damage claims resulting from the contractor’s operations. For example, if a worker accidentally damages a homeowner’s window during siding installation, this insurance helps cover repair costs.
  • Workers’ Compensation Insurance: Provides coverage for medical expenses and lost wages if an employee is injured on the job. Given the physical nature of siding installation, this is essential for protecting workers and complying with Ohio state laws.
  • Commercial Auto Insurance: Covers vehicles used for business purposes, including transporting materials and equipment to job sites.
  • Tools and Equipment Insurance: Protects valuable tools and machinery from theft, loss, or damage.
  • Professional Liability Insurance: Also known as errors and omissions insurance, this covers claims related to faulty workmanship or project delays.


Having the right combination of these coverages ensures that siding installers can operate confidently, knowing they are protected against common risks. Additionally, it is crucial for siding installers to stay informed about the specific insurance requirements in Ohio, as these can vary by municipality and project type. Some local governments may even mandate certain types of coverage before a contractor can bid on or begin work on a project, making it essential to understand these regulations to avoid potential legal issues.


Furthermore, investing in comprehensive insurance coverage can enhance a siding installer's reputation in the industry. Clients are more likely to hire contractors who can demonstrate a commitment to safety and professionalism through adequate insurance. This not only helps in securing contracts but also builds trust with clients, ensuring that they feel secure in their investment. As the siding industry continues to evolve, staying updated on insurance trends and best practices will further empower installers to manage risks effectively and maintain a competitive edge.

How Proper Insurance Benefits Homeowners in Ohio

Homeowners hiring siding installers should prioritize working with insured contractors. This not only minimizes financial risk but also guarantees a higher level of professionalism and accountability. When a contractor carries insurance, any accidental damage or injuries during the project are covered, reducing the likelihood of costly disputes. Additionally, insured contractors often have a more rigorous vetting process, ensuring that they are skilled and knowledgeable about the latest installation techniques and materials. This can lead to a more efficient project timeline and a higher quality finish, ultimately enhancing the overall value of the home.         


Additionally, insurance can influence the overall cost of siding projects. Ohio homeowners have seen a 36.4% average increase in homeowners insurance rates from 2019 through 2024, partly due to rising repair costs and storm damage. By hiring insured siding installers, homeowners can help mitigate further insurance claims related to installation mishaps. Furthermore, many insurance companies offer discounts for homes that have been renovated or updated with quality materials and professional installation. This means that investing in insured contractors could not only save money in the short term but also lead to long-term savings on insurance premiums.


Choosing the right siding material also plays a role in long-term protection. Vinyl siding remains the most popular choice among Ohio homeowners for its affordability and low maintenance, according to Fixr.com's 2024 report. However, fiber cement siding is gaining traction due to its fire resistance and versatility, as noted by repair experts. Understanding these options and ensuring installation by insured professionals can protect your home’s exterior investment. Furthermore, homeowners should consider the climate and environmental factors in their area when selecting siding materials. For instance, regions prone to severe weather may benefit from more durable options like engineered wood or metal siding, which can withstand harsh conditions better than traditional materials.

Finding and Hiring Insured Siding Installers in Ohio

Locating reputable siding installers with proper insurance coverage is essential for a successful project. Repairmen.com highlights the importance of hiring local experts familiar with Ohio’s climate and building codes. Local contractors are better equipped to recommend suitable siding materials and installation techniques that withstand regional weather conditions. For instance, Ohio experiences a range of weather patterns, from heavy snowfall in the winter to humid summers, making it crucial to select siding that can endure these fluctuations without compromising the integrity of the home.


When vetting contractors, homeowners should request proof of insurance and verify the policy’s validity. It’s also wise to check for additional certifications or memberships in professional organizations, which often require insurance as a prerequisite. Additionally, looking into customer reviews and testimonials can provide insight into the contractor’s reliability and quality of work. Many homeowners find that engaging with past clients can reveal important information about the installation process, timelines, and how well the contractor addressed any issues that arose during the project.


Given the volume of siding projects in Ohio, with thousands of requests processed daily, homeowners have a wide selection of professionals to choose from. Taking the time to research and confirm insurance coverage can save significant headaches down the line. Furthermore, it’s beneficial to obtain multiple quotes from different contractors to compare not just pricing, but also the scope of services offered. Some contractors may provide additional services such as warranties on their work or maintenance packages that can enhance the longevity of the siding. This thorough approach ensures that homeowners not only find a qualified installer but also secure the best value for their investment.

Conclusion: Protecting Your Home and Investment with Insured Siding Installers

Ohio’s dynamic housing market and challenging weather conditions make siding installation a critical home improvement task. With rising homeowners insurance rates and increasing repair needs, working with insured siding installers is more important than ever. Insurance not only protects contractors but also safeguards homeowners from unexpected costs and liabilities.


By understanding the types of insurance coverage available and prioritizing insured professionals, Ohio homeowners can ensure their siding projects are completed safely, efficiently, and with lasting quality. Whether opting for popular vinyl siding or durable fiber cement options, proper installation backed by insurance coverage is key to preserving your home’s exterior and value.


For more information on Ohio’s home insurance trends and repair needs, see the detailed insights from Farmers Insurance agent Jim Berlon and the Cinch Home Services study.