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If you have stucco on the outside of your home, it’s technically considered cladding and not siding, but beyond that, it’s impossible to tell without a little digging. Without damaging the siding material, expose part of it to see if there’s an air gap between the siding and your exterior wall. If there is, you have cladding. If the siding is affixed directly to the exterior wall, you have a simple siding system.

While homeowners' insurance can include coverage for siding, general wear and tear of siding is not covered. If your siding is rotting—especially because you haven’t kept up with proper siding maintenance—replacement siding will likely not be covered by your homeowners' insurance policy. Instead, insurance generally covers siding repair or replacement if your siding has been damaged by extreme weather, vandalism, fire, or some kind of collision, like by a vehicle.

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.

You can put new siding over clapboards, but it’s not recommended. Some sidings, like vinyl siding, can go over clapboards with sheathing like a foam layer in between. However, it’s best to remove clapboard siding if you plan on replacing it with new siding. Burying wood clapboards underneath new siding can create risks of rot and mold, or hidden insect damage. It can also create warping issues over time. Removing clapboards allows you to properly install a new sheathing, as well as clean up the exterior wall and look for any signs of damage.