Direct Answer
How much does siding replacement cost after a hail storm?
If the hail damage is documented and claimed, usually just your deductible plus any upgrade you choose — insurance funds the replacement scope. Out of pocket, full residing runs roughly $14,000-$35,000 on most Front Range homes in 2026 depending on material. Josh Brooks Construction and Renovation Inc. (CON-24-0152) provides fixed-price bids. Free inspection: 720-828-7997.
The honest answer to “what does siding replacement cost after hail” is a question back: documented or not? The same project has two wildly different prices depending on whether the storm damage got claimed while the window was open. Here’s both versions of the math for 2026.
The Insurance-Funded Version
When hail damage is documented and the claim approved, insurance pays the replacement cost of the approved scope and you pay your deductible — on most Colorado policies, 1-2% of dwelling coverage or a flat $1,000-$2,500. If the matching argument expands a partial approval to full residing, the whole-house project rides the same single deductible. Choosing to upgrade materials — approved vinyl scope up to LP SmartSide or James Hardie — adds only the delta between the two, typically a few thousand dollars on a project insurance is otherwise carrying.
The Out-of-Pocket Version, by Material
Full residing on a typical Front Range two-story in 2026: vinyl runs roughly $14,000-$22,000; LP SmartSide engineered wood $18,000-$28,000; James Hardie fiber cement $22,000-$35,000, with complexity, stories, and tear-off condition moving every range. Repair-only work — replacing damaged panels on one elevation — runs far less but collides with the matching problem: on faded or discontinued siding, the patched wall won’t match, which is exactly why the insurance path exists. Our cost calculator gives an instant range for your square footage.
Why the Two Prices Are Really One Decision
The gap between the deductible and the out-of-pocket price is the cost of not documenting storm damage in time. Colorado claim windows run from the storm date, not from when you notice the damage — and siding damage is the most-missed item on Front Range storm claims because nobody walks their walls. If hail has crossed your home since anyone inspected the siding, the free inspection is the difference between the two versions of this page.
Roof and Siding: One Storm, One Deductible
Siding damage is routinely added to a roof claim already in progress — same storm event, same single deductible, one combined project. If your roof claim is open or recent, the walls should be documented before it closes. Our roof vs. siding coverage guide covers how the scopes combine.
Free Inspection — Know Which Price You’re Paying
The deductible version of this project beats the out-of-pocket version by $20,000.
Licensed CON-24-0152. Roof and siding documented together. Fixed-price bids. No storm chasers.
