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Siding questions, answered by experts

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 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.

Vinyl siding is the cheapest option in terms of upfront costs. The average cost to install vinyl siding is around $12,173, with certain types like vinyl shake, clapboard, or dutch lap costing as little as $2 to $3 per square foot. While vinyl is very low-cost, it may not last as long as natural materials or metal, with a typical lifespan of 20 to 40 years. In contrast, metal siding is more expensive initially but can save you money in the long run due to its longer lifespan, which is often double that of vinyl. It's recommended to consult a siding professional to determine if the lowest-cost option is the best material for your specific home.

Different types of siding provide unique aesthetic and structural features, with each material commanding its own cost. Availability of materials and shipping costs also factors largely into the cost. The common types of siding materials include:

  • Stucco: $7–$9 per square foot

  • Wood: $1–$15 per square foot

  • Engineered wood: $1–$6 per square foot

  • Aluminum: $3–$6 per square foot

  • Fiber cement: $5–$14 per square foot

  • Brick: $10–$20 per square foot

  • Brick veneer: $3–$10 per square foot

  • Stone: $7–$30 per square foot

  • Stone veneer: $5–$11 per square foot

Vines can cause severe damage to your siding. They can grow underneath and all around siding, which can cause it to pop off or split. Vines also trap moisture, which can damage siding by causing rot. The cost to replace siding may make you consider getting rid of the ivy or adding a trellis or lattice support for it to grow on instead.

The Georgetown, MI homeowners’ guide to siding services

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