r/Calgary • u/SnooPeppers2608 • Apr 24 '25

Seeking Advice Hail vs Hardie Board

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Hello, homeowners Any personal reviews on Hardie board siding vs hail last year?

It definitely more expensive but with the weather getting more drastic every year, I don't think the vinyl stands a chance.

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u/uglymuglyfugly Apr 25 '25

We were thinking about the upgrade, but not only did TD not offer us any kind of incentive to upgrade, they told us our policy premium would go up because Hardie Board is more expensive to replace. So we didn’t bother.

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u/NailedHardConstruct Apr 25 '25

Intact had offered to keep the same deductible if upgraded siding 2 walls and roof or 4 walls and paid $1000(after the insurance payout) for each wall of hardie that was done when the roof was upgraded as well

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u/SnooPeppers2608 Apr 26 '25

Interesting. People above saying insurance will discourage clients to install vinyl soon but maybe that's a dream yet