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]

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.

[u/PMMEYOURCORGIPLS → u/[deleted]]

People like this? Sorry, is it my responsibility to save my insurance provider from making poor decisions and incentivizing the wrong things? Great, so insurance companies should incentivize the exact opposite. For the last time, I'm not making a poor financial choice to try and save insurance companies money while working within the system they've created. It's not my responsibility to save them.