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The lifespan of siding ranges from 20 to over 100 years, depending heavily on the material, climate, quality of installation, and maintenance.

• Vinyl, Wood, and Aluminum: Typically last 20 to 40 years. Engineered wood may need replacement after just 20 years.

• Fiber Cement: Lasts around 50 years.

• Brick and Stone: These are the most durable, lasting for a century or more with proper care.

The longevity of any siding can be shortened if it's not properly maintained or if damage is not repaired promptly. Regular cleaning is vital. It's time for a replacement when you see widespread damage, signs of water intrusion, or a spike in energy 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.

To maintain vinyl siding, homeowners should regularly clean it with mild soap and water, inspect for damage, and promptly repair any issues. Avoid using high-pressure washing and keep sharp objects away to prevent scratches. Check for mold or mildew and clean with a mixture of water and mild detergent. Take preventive measures to avoid fading, such as minimizing exposure to direct sunlight and using color-safe cleaning products. With proper maintenance, vinyl siding can retain its appearance for years.

Before applying paint to exterior surfaces, filling any cracks or gaps with caulk is essential. Sealing them with a combination of caulk and paint prevents moisture from damaging the paint or decaying the underlying material. You want to ensure the caulk you purchase can be painted over or that you opt for a caulk the same color as the paint.