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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.

Yes, siding orientation can affect a home’s resale value, but in what way and by how much really depends on the prospective buyer. For instance, some buyers prefer the more modern appearance that vertical siding offers, so having it can increase your home’s value in their eyes. However, other buyers prefer the classic, more common appearance of horizontal siding, so having vertical siding can decrease your home’s value in their eyes. 

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.

While almost nothing is completely fireproof, metal siding is extremely fire-resistant. It’s non-combustible so while it may eventually melt in extreme temperatures, it won’t actually light on fire itself. This can add a layer of safety to structures that wood or vinyl siding can’t, making it attractive for industrial use. Metal siding can significantly slow down the spread of a fire, giving extinguishers and firefighters a much better chance at saving the structure and containing the blaze.