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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 should restain or refinish your home's cedar siding every three to seven years to maintain its appearance and ensure maximum protection. The precise frequency depends on several factors, including your local climate, the siding's exposure to severe weather like direct sunlight, rain, and wind, the quality of the initial stain application, the type of stain used, and the condition of the wood.

Homeowners in harsh climates with high humidity and significant direct sunlight should plan on restaining every three years, while those in milder locations can wait up to seven years. For the longest-lasting protection in particularly harsh environments, consider using an opaque stain.

If you're looking for a lower-maintenance alternative, vinyl or aluminum siding are options to consider. Although their installation cost may be higher, they don't require as much upkeep over time, which can provide more value, especially in areas with excessive rainfall or high humidity.

OSB is a common material used in sheathing, so when OSB prices go up, so does the cost of sheathing. Depending on the economy and supply chain, increased costs can reduce demand, though some homeowners proceed with their projects despite the elevated expenses.

Increasing home value and return on investment (ROI) are two different things and it’s important to differentiate between the two. While a kitchen remodel will surely raise the value of the house, it may only have an ROI of around 50%. Homeowners looking to raise the value of their home for sale will have to consider how much they will recoup by the monetary investment in projects, as the ROI percentages may be lower or higher than the added value on a dollar-for-dollar basis.