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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.

Composite siding, with proper care, can last 30 years and sometimes more. Because its color has a tendency to fade, you might want to re-paint it every five years or so. Before purchasing composite siding, check the manufacturer’s warranty—you should have a long-term warranty to back up the quality of the product.

Avoid toxic chemicals that can leach into nearby lawns, as well as household ingredients like vinegar that can ruin paint and sealants. Instead, look for a very light detergent or a dedicated exterior siding cleaner. In a pinch, you can use a basic dish or laundry soap, but we suggest sticking with a dedicated cleaner.

If your siding is struggling with algae or moss, which indicates moisture issues, look for an outdoor cleaner that’s specifically designed to clear moss and algae stains. This is also a sign that you need to seal your clapboard against further problems.

Yes, you can mount shutters to vinyl siding. Depending on the weight and material of choice, you may need more fasteners or larger fasteners to secure the shutters onto the vinyl surface. It’s also important to locate studs or drill into the window frame when installing heavier shutters to best hold the weight of the shutters if you opt for composite or wood shutters.