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You may only need to repaint fiber cement siding every decade or so, but you should clean it every six to 12 months, depending on your local climate. First, wash with a garden hose or similar low-pressure device (not a high-pressure washer, which can damage the material) to remove dirt and any large debris. Then, gently wipe down the surface with a soft brush or cloth in a side-to-side motion, following the grain of the fiber cement.

The biggest con of insulated vinyl siding is that it’s more expensive than traditional vinyl siding. If you’re hoping to save costs on your siding project, you’ll have better luck finding budget-friendly vinyl siding, which can cost as little as $2 per square foot, installed.

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.

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.