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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.

The telltale signs that your home is ready for repointing include visibly damaged bricks, crumbling bricks, flaking bricks, loose mortar, cracked mortar, gaps between brick and mortar, leaking inside your home, and visible water damage. Consider repointing when going over brick house pros and cons if you're buying a new home. Repointing is also a good idea if you plan to paint, acid wash, or stain your brick home, as it will give you a good base for coloration and prevent repairs after the work is done.

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.

You should consider a siding replacement material that meets your expectations for budget, durability, and if you want to complete the siding project yourself. Some materials are better than others in certain climates and easier to install for beginners. If you’re unsure which material suits your home, check with a local contractor for guidance.