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While homeowners' insurance can include coverage for siding, general wear and tear of siding is not covered. If your siding is rotting—especially because you haven’t kept up with proper siding maintenance—replacement siding will likely not be covered by your homeowners' insurance policy. Instead, insurance generally covers siding repair or replacement if your siding has been damaged by extreme weather, vandalism, fire, or some kind of collision, like by a vehicle.

You should inspect your brick siding at least once per year for any potential problems, like cracks in the mortar and signs of spalling. It’s also a good idea to clean your brick siding annually using a hose, mild detergent, and a soft brush to remove dirt, mildew, and moss.

You may only need to repaint fiber cement siding every decade or so, but you should clean it every six to 12 months, depending on your local climate. First, wash with a garden hose or similar low-pressure device (not a high-pressure washer, which can damage the material) to remove dirt and any large debris. Then, gently wipe down the surface with a soft brush or cloth in a side-to-side motion, following the grain of the fiber cement.

Vinyl can withstand many different cleaning methods, but there are two things you need to be wary of. First, particularly harsh chemicals will damage your vinyl siding and reduce its lifespan. Second, be careful about pressure washing your vinyl siding. Vinyl can resist powerful washing damage more than softer siding like wood, but high levels of pressure can still crack it. Use the lowest level of pressure for power washing vinyl, or hire a siding professional to do it.