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Siding questions, answered by experts

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 cost of wood siding varies by the type of wood. Engineered wood siding tends to be in the middle of typical costs ($3 to $7 per square foot for materials). Hardwoods, for instance, can cost $5 to $20 per square foot for materials alone, but cedar wood can be as cheap as $3 per square foot.

Concrete log siding can last several decades, from 30 to 50 years or more, as long as you keep up with proper maintenance. Luckily, concrete log siding is much lower maintenance than typical types of wood siding, so you’ll also have fewer expenses during that time. To keep your concrete log siding in good shape, you’ll simply need to reseal it every two to five years. Confirm with your manufacturer to determine how often to reseal.

Insulated vinyl siding is very durable and can last for 20 to 40 years. The extra support that the insulation provides helps to make the vinyl siding less susceptible to damages from weather and other minor wear and tear. Vinyl siding on its own may  be less durable than other types of siding like fiber cement, but when coupled with insulation it is stronger than usual.

Regularly wash with mild detergent, inspect for rust, and repaint as needed to maintain its appearance.

The Ellicott, md homeowners’ guide to siding services

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