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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.

You have several options you can choose from for climbing plants without damaging your siding. Climbing hydrangea and Carolina jessamine are two options, and jasmine, honeysuckle, and sweet pea are a few others. Look for these climbing plants to add lovely curb appeal and are less likely to cause damage to your siding.

There should be small gaps between your roof and the walls of your home, and other buildings. These small gaps let building materials shift, expand, and contract with weather and other outside forces, and they prevent moisture from wicking down walls from roofing and gutter systems. Without these strategic gaps, your home’s exterior and its finishes can sustain water damage, decay, peel, delaminate, and crack. However, there is a fine line between a smart gap and a problematic gap—all  gaps should be small, intentional, and covered or filled in with foam insulation to prevent pests from using them as access points.

While insulated vinyl siding has one of the highest R-values out there, there are a few alternatives worth considering. When paired with a layer of insulation, manufactured stone veneer has an R-value of 4.5. Composite siding also provides good insulation with an R-value of 2 to 4.