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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.

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.

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.

The necessary frequency of mold cleaning in your home will depend on several factors, including the climate, the presence of moisture sources, and the type of siding. It's generally recommended to inspect your siding regularly and clean any mold growth as soon as it appears to prevent it from spreading or causing damage. If you’re not sure how often you should clean mold off siding, you can always contact a siding contractor near you to consult on what maintenance schedule will work best for your home.