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Concrete log siding is not the same as fiber cement siding. Fiber cement siding is made from a mixture of cement and cellulose fibers, while GFRC is made from cement, glass fibers, and polymers. The materials are similar in their durability, longevity, and curb appeal, and the main difference is that concrete log siding is available in more styles that resemble traditional log siding. Fiber cement is also less expensive, with materials costing around half what you’d pay for concrete log siding.

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.

Brick and stone are the most durable and longest-lasting siding materials, often lasting for 100 years or more with proper maintenance. Copper is another material known to last over 100 years, though it can develop a greenish patina over time. Zinc is a metal siding that can last 80-100 years. While these options are the most expensive, they offer superior value and longevity. For a more affordable yet durable choice, stucco can last 50 to 80 years in dry climates. Fiber cement siding is another excellent middle ground, offering a lifespan of 50 years or more with low maintenance at a lower cost than stone or brick.

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.