How to Maximize Your Insurance Siding Replacement Project

If your home was hit by hail and your insurance is covering a siding replacement, congratulations — you’re already ahead of the game. But before you get caught up in the idea of “only paying your deductible,” it’s worth stepping back to look at the bigger picture.

Recent insurance siding replacement project. - JP Construction Services

Insurance often covers only the damaged siding — not your shutters, trim, or gutters. That means while you're already getting new siding, it might be the perfect time to invest a little more and upgrade the overall look and protection of your home's exterior. Here's how to make the most of your project.

Shutters: Replace or Refresh

When siding is replaced, the shutters often need to come off — so why not make the most of it?

• Paint Them – If your shutters are still in good shape, this is a low-cost way to freshen them up. Choose a color that complements your new siding and gives your home a cohesive, updated look.

  
  

• Replace Them – Old, faded, or brittle shutters can take away from the appearance of your new siding. New shutters can add curb appeal and give your home a modern, clean look.

When your siding contractor takes down the shutters when replacing the siding, that’s the perfect time to paint them.

💡 Tip: If you’re changing the siding color, your old shutter color might clash. Coordinating both can make a big visual difference.

Trim Capping: Upgrade or Leave It Alone?

Trim capping is the aluminum wrap around wooden trim to protect it from moisture and decay. Here’s a breakdown of your options:

• Standard Aluminum Capping – Most common and cost-effective. If the current capping is in good shape and matches your new siding, you might be able to leave it.

  
  

• Custom-Bent Metal Trim – For a higher-end, cleaner look. Often used around doors, windows, and fascia. Great for modern or upscale exterior designs.

  
  

• Vinyl or Composite Trim Boards – A pricier option, but low-maintenance and long-lasting. It pairs well with premium siding and adds to the home’s value.

Previous insurance siding replacement project by JP Construction Services. New siding along with new shutters, trim and gutters really upgraded this house.

When does it make sense to upgrade?

• If the current trim is dented, peeling, or outdated.

  
  

• If the color or style clashes with your new siding.

  
  

• If you’re already spending thousands on siding, spending a little more to tie everything together might be worth it.

When doesn’t it make sense?

• If your trim is in great shape and still looks good with the new siding.

  
  

• If you’re planning to replace windows or roofing later, and those upgrades would affect the trim anyway.

  
  

Gutters: Finish the Look and Function

Your gutters sit right up against your siding, so replacing them during your siding project often makes sense. Here’s why:

• Better Aesthetics – Old, dented, or faded gutters can make brand-new siding look incomplete.

  
  

• Proper Integration – New gutters can be installed more securely and cleanly when done with siding.

  
  

• Upgrade Options – Consider going for larger 6" gutters or adding gutter guards for better drainage and lower maintenance.

A bold gutter color, especially when it goes well with other exterior components of a home, can make a big difference in a home's curb appeal.

Just like with trim and shutters, this is a good time to rethink gutter colors. A coordinated gutter system can blend into the home’s new look or serve as a contrasting accent.

Why This Matters: The Power of Cohesion

Getting new siding is a major home upgrade — and it can make everything else on your home’s exterior stand out. That old shutter color? Suddenly it looks off. The faded trim? Now it's the first thing you see. Mismatched gutters? You get the idea.

This is your chance to reimagine your home’s curb appeal.

By combining insurance-covered siding with a few smart out-of-pocket upgrades, you can give your home a complete transformation — one that boosts curb appeal, resale value, and long-term satisfaction.

Final Thoughts: Think Big Picture

Yes, the phrase “only pay your deductible” is tempting. And if that’s all you want to do, that’s perfectly fine. But if your budget allows, this is a rare opportunity to upgrade much more than just your siding — without starting from scratch.

Recent insurance siding replacement project. New siding, shutters, fascia capping, gutters. - JP Construction Services

A cohesive exterior can make your home look brand new.Take advantage of the timing, and you may end up with an exterior that feels like a complete remodel — not just a patch-up job.

Let us help you through the process. Contact us today for a siding inspection or to talk about your insurance claim. We’ll walk you through your options and help you get the most out of this opportunity.

If your house was affected by a recent storm and you live within our service area, give us a call today at (877) 846-9566 or schedule your free inspection online.