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Siding questions, answered by experts

Siding underlayment varies based on the type of material, but most siding is installed on top of a vapor barrier, a moisture-resistant house wrap, sheathing made from plywood or oriented strand board (OSB), and a layer of insulation sheeting. Having the correct underlayment is a critical part of properly installing siding and will protect your home from water intrusion, structural damage, and energy loss.

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.

A brick exterior for your home has many advantages over other types of siding. While brick siding and veneer are more expensive, they’re also durable, long-lasting, and weather-resistant. Brick siding is aesthetically appealing, and can help to increase the value of your home. It’s also easy to maintain brick siding.

The lifespan of siding ranges from 20 to over 100 years, depending heavily on the material, climate, quality of installation, and maintenance.

  • Vinyl, Wood, and Aluminum: Typically last 20 to 40 years. Engineered wood may need replacement after just 20 years.

  • Fiber Cement: Lasts around 50 years.

  • Brick and Stone: These are the most durable, lasting for a century or more with proper care.

The longevity of any siding can be shortened if it's not properly maintained or if damage is not repaired promptly. Regular cleaning is vital. It's time for a replacement when you see widespread damage, signs of water intrusion, or a spike in energy costs.

To maintain vinyl siding, homeowners should regularly clean it with mild soap and water, inspect for damage, and promptly repair any issues. Avoid using high-pressure washing and keep sharp objects away to prevent scratches. Check for mold or mildew and clean with a mixture of water and mild detergent. Take preventive measures to avoid fading, such as minimizing exposure to direct sunlight and using color-safe cleaning products. With proper maintenance, vinyl siding can retain its appearance for years.

The Brooklyn, MI homeowners’ guide to siding services

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