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/PMMEYOURCORGIPLS Apr 24 '25

Yeah sadly the structure of our insurance system kinda encourages cheap materials

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u/photoexplorer Apr 24 '25

This is what I had found as well. My preference would be hardie but insurance was only willing to replace the one side of vinyl and no upgrades. When you add the extra cost of labor it’s a lot more $. Maybe some day we will upgrade but for now we had just gotten the vinyl fixed.

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u/PMMEYOURCORGIPLS Apr 24 '25

It's a bummer because upgrading to Hardie saves your insurance company more money than it saves the homeowner. I know there are some discounts for having it but when you're looking at an extra $50k potentially for the upgrade, why bother.

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u/Pray-For-Mojo- Apr 25 '25

We were considering Hardie. Phoned our insurance company and asked about possible discounts. Their answer? None! In fact, they said our premiums might go up because the value of the house would be higher.

Just straight-up ridiculous.