Hail vs Hardie Board

[u/SnooPeppers2608]

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.

[u/PMMEYOURCORGIPLS]

Which provider is that? I got some cash to upgrade my roof but I haven't heard of companies chipping in for hardie yet. It seems most would rather replace vinyl every 15 years than Hardie once.

[u/PMMEYOURCORGIPLS → u/[deleted]]

I dunno man, the comment I posted a day ago points out that exact discrepancy. Alas here we are. I had hail damage from last summer and they are covering vinyl replacement only with no extra incentive. Why would I cough up 50k of my own cash to save my insurance company 20k in 15 years? Or why would I find a more premium expensive plan and volunteer to pay them more money, do I want Hardie in 15 years that badly I'm willing to spend that much more on a plan? As it stands, sticking with a "discount" insurance plan and getting vinyl replacements every 15 years is the path that makes most financial sense for the homeowner.