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You can put new siding over clapboards, but it’s not recommended. Some sidings, like vinyl siding, can go over clapboards with sheathing like a foam layer in between. However, it’s best to remove clapboard siding if you plan on replacing it with new siding. Burying wood clapboards underneath new siding can create risks of rot and mold, or hidden insect damage. It can also create warping issues over time. Removing clapboards allows you to properly install a new sheathing, as well as clean up the exterior wall and look for any signs of damage.

Yes, vertical and horizontal siding both come in the same materials, including wood, vinyl, aluminum, and engineered wood. The material you choose can significantly affect your siding’s overall price, lifespan, insulation properties, and maintenance costs. 

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.

Stucco siding is the most energy-efficient option on its own, but you can choose insulated vinyl, insulated metal, or insulated brick or stone facade siding that improves energy efficiency even further. These options include a layer of foam insulation under the siding to reduce heat transfer between your living space and the exterior. If you live in a particularly sunny climate, a reflective option like insulated steel or aluminum siding can maximize efficiency.