Here's an article about the phenomenon: Window Reflections Can Melt Vinyl Siding My first impression is that this kind of thing happens over a period of time due to prolonged exposure and would not be covered by a homeowners policy due to the exclusion for "wear, tear, marring, and deterioration." I google and found several remarks about insurance not covering it, but no details, and nothing from the insurance industry. My question to you folks is: Have you had clients who have had this issue and made claims to their homeowners insurance companies and with what conclusion - denied or paid. If denied, why? It would help my little survey if you could indicate city and state of these incidents. Thanks.