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To calculate how much siding you need for exterior walls, first measure the height and width of the rectangular walls. For the triangular gable walls, measure the width and then the height from the ground to the tallest gable point.

• For the rectangular walls, the calculation is: length x height

• For the triangular gable walls, the calculation is: (length x height) / 2

Once you add these up, include an additional 10% to account for any wastage.

Hardie board is more expensive than vinyl siding. Vinyl siding costs $3 to $12 per square foot, on average, with cost skewing toward the lower end of that range. Hardie board siding costs $7 to $18 per square foot, depending on the style, color, and trim. However, it lasts twice as long and often looks nicer, meaning you’ll see a higher bump in your home value and greater curb appeal from Hardie board.

Fiber cement siding is the best siding to install over stucco because it offers many of the same benefits for homes where stucco is common, including fire resistance, insect resistance, and good insulation. Fiber cement siding is also rigid, so it won’t warp over time like vinyl siding might if installed over furring strips.

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.