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Clapboard siding is traditionally made of wood, and is one of the most common types of wood siding in North America. When people talk about wood siding, they are usually talking about clapboard siding. However, not all wood siding is in the clapboard style: It can be tongue-and-groove, shake, and other designs. Also, clapboard siding can sometimes be made of different materials, like vinyl or fiber cement, so the terms are not interchangeable.

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.

Siding is one of your home’s first lines of defense against extreme weather. If you fail to repair or replace your damaged siding, your home is exposed to wind, snow, and rain—all of which can cause structural damage. Repairing your home’s structure will be much more costly and be a much bigger headache than simply keeping your siding in tip-top shape, so don’t delay—fix your siding ASAP.

Yes, you can mount shutters to vinyl siding. Depending on the weight and material of choice, you may need more fasteners or larger fasteners to secure the shutters onto the vinyl surface. It’s also important to locate studs or drill into the window frame when installing heavier shutters to best hold the weight of the shutters if you opt for composite or wood shutters.