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The average cost to replace siding is $10,500, but you should expect to pay an average of $12,000 to install new siding over stucco. The additional cost goes toward assessing the old stucco for damage, any necessary repairs before the new siding goes up, and the materials and labor required to install furring strips over the stucco to attach the new material. Even with this additional cost, installing siding over stucco is often more affordable than removing the stucco and starting over.

Whether or not your homeowners insurance covers EIFS stucco siding depends on the insurance company and the specifics of the policy. Some insurance companies will not cover EIFS due to its susceptibility to moisture damage, and some companies will only cover EIFS manufactured and installed after a certain date, since newer systems mitigate potential damage concerns better than older ones.

Contrary to popular belief, people still do use aluminum siding for their homes—but it’s much less popular than it was in the mid-1900s. The introduction of various types of vinyl siding as an affordable option reduced the demand for aluminum, which is prone to scratching and denting and needs to be repainted every five to 10 years. Given the abundance of house siding options, especially newer and more popular types like stone veneer siding, aluminum siding has simply just fallen out of favor.

Signs that you need to replace your siding include siding that’s warping, bubbling, or cracking; signs of rot or mold growth; fading, peeling, or chipped siding or paint; or siding that’s separating from the exterior of your house. Failing to replace your siding when it’s damaged can lead to moisture problems or structural damage, so promptly repair or replace siding as soon as you notice any of these signs.