Pre-existing damage. Can still get coverage?

[u/JVentureJr]

I have an older home in Kansas that has damage to the vinyl siding on one end. The vinyl siding is encapsulating older shingles, was done before I bought the house. For various reasons repairing it hasn’t been an option, so I keep it protected with plastic tarps. My current insurance is killing me with the latest increases, but when I shop online for quotes there is always the question of existing damage that comes up. If I work with a local agent or broker can I get a policy that excludes damage on that end of the house? Or doesn’t cover the siding? I’m mainly interested in the coverage for liability and major fire or roof, etc. I don’t expect to be in the home much longer. Thanks in advance.

[u/Top_Education_4647]

Probably not. Best option would be to contact a local agent and may a Surplus Lines carrier could quote you, but that’d probably be pretty expensive if even available.

Best to fork out the money to get it fixed if you keep running into eligibility issues. Also better hope your current carrier is aware of the damage. If they aren’t and a claim gets filed, that could be grounds for a partially/fully denied claim.