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Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.

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.

Many people remove aluminum siding to get to the wood underneath, allowing them to paint, stain, or finish the wood to give the home a brand-new aesthetic. With that in mind, you find plywood and related types of wood underneath aluminum siding, but you also run into fiber cement board, strand board, and a diverse array of other building materials. It depends on the original design of the house. 

If you’re wondering how to make wood siding last longer, including Composite T1-11, inspect it annually or quarterly to spot and repair cracks, holes, or chipped areas. You’ll also want to re-stain the wood every 3 to 5  years or repaint every 7 to 10 years for protection (note that repainting requires stripping and sanding off old paint as well). Lastly, keep up with regular cleanings using a garden hose or low-pressure power washer to help prevent grime and discoloration.