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Brick and stone are the most durable and longest-lasting siding materials, often lasting for 100 years or more with proper maintenance. Copper is another material known to last over 100 years, though it can develop a greenish patina over time. Zinc is a metal siding that can last 80-100 years. While these options are the most expensive, they offer superior value and longevity. For a more affordable yet durable choice, stucco can last 50 to 80 years in dry climates. Fiber cement siding is another excellent middle ground, offering a lifespan of 50 years or more with low maintenance at a lower cost than stone or brick.

Look and feel for signs of damage after a hail storm. On vinyl siding, there will likely be cracks or holes. If you have steel or aluminum siding, look for dents and cracked or chipped paint. For wood and fiber cement boards, dents are the most common sign of hail damage.

You should plan to stain or refinish your home's cedar siding every three to seven years to maintain its appearance and provide maximum protection, though some estimates suggest a range of four to six years. The exact frequency depends on several factors, including your local climate, exposure to severe weather like direct sunlight, rain, and wind, the quality of the initial stain application, the type of stain used, and the overall condition and quality of the wood.

For homes in harsh climates with high humidity and significant sun exposure, you should plan on staining as often as every three years, while those in milder locations may only need to do so every seven years. For the longest-lasting protection in particularly harsh climates, consider using an opaque stain.

If you are looking for a lower-maintenance alternative, you might consider vinyl or aluminum siding. While the initial installation cost can be higher, they do not require as much upkeep and can offer more value over time, especially in areas with excessive rainfall or high humidity.

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.