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If you have stucco on the outside of your home, it’s technically considered cladding and not siding, but beyond that, it’s impossible to tell without a little digging. Without damaging the siding material, expose part of it to see if there’s an air gap between the siding and your exterior wall. If there is, you have cladding. If the siding is affixed directly to the exterior wall, you have a simple siding system.

Not wrapping a house before installing siding can lead to moisture intrusion, rot, mold, and even higher energy bills. Older houses may have siding installed without wrap underneath, so it’s a good idea to add a wrap layer when it comes time to replace old siding to prevent potential damage from water intrusion—local codes may even require it, so check with your municipal building authority. 

The cost to install or replace brick or stone siding generally ranges from $10 to $50 per square foot. The final price depends on several factors, including the specific material type, local labor rates, and any necessary preparation work, such as removing old siding. For example, different types of stone have varying costs per square foot: natural stone ($4.50–$35), stone veneer ($11–$13), faux stone ($6–$9), and cultured or manufactured stone ($5–$8).

The lifespan of siding ranges from 20 to over 100 years, depending heavily on the material, climate, quality of installation, and maintenance.

• Vinyl, Wood, and Aluminum: Typically last 20 to 40 years. Engineered wood may need replacement after just 20 years.

• Fiber Cement: Lasts around 50 years.

• Brick and Stone: These are the most durable, lasting for a century or more with proper care.

The longevity of any siding can be shortened if it's not properly maintained or if damage is not repaired promptly. Regular cleaning is vital. It's time for a replacement when you see widespread damage, signs of water intrusion, or a spike in energy costs.