Can homeowners' insurance cover rotted siding?

• <div><p>While <a href="https://www.angi.com/articles/will-homeowners-insurance-cover-water-damage.htm">homeowners' insurance</a> 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.</p></div>

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Q: How long does engineered wood siding last?

• <div><p>Engineered wood siding is still a relatively new type of siding, so it&rsquo;s hard to say with certainty how long engineered wood siding will last. That said, homeowners should expect to get somewhere from 20 to 30 years out of their engineered wood siding, especially if they keep up with maintenance, including painting it every 10 years. <a href="https://www.angi.com/articles/cost-paint-house-exterior.htm">Painting the exterior of a house costs</a> an average of <b>$3,150</b>.</p></div>

Q: How often should you restain or refinish cedar siding?

• <div><p>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.</p><p>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.</p><p>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.</p></div>

Q: Do you put cedar siding rough or smooth side out?

• <div><p>You should install your cedar shake siding with the rough side exposed. The smooth side is less resistant to weathering over the years, and the rough side gives your home a more rugged aesthetic. The rough side also takes to paint better and ensures any paint job will last longer before needing to be redone.</p></div>

Q: Is clapboard the same as wood siding?

• <div><p>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. </p></div>

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Verified Reviews for Siding Service pros in Saint Regis, MT

*The Angi rating for Siding Service companies in Saint Regis, MT is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Siding Service needs.

*The HomeAdvisor rating for Siding Service companies in Saint Regis, MT is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Siding Service needs.

Last update on April 20, 2026

Reviewed in April 2026
James painted the exterior of our home which has cathedral ceilings and stained the wood beams. He finished the job on time and we’re very happy with the end result
Custom Paint and Stain
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Reviewed in September 2024
I have two cabins and two garages and two wood sheds an outhouse and porches on each cabin. He pressure washed everything, the porches he had to pressure wash three times. They were pretty dirty. He then masked the windows, rock and doors. Most of the painting was by brush. Some was sprayed....
ZJs Painting and Special Coatings LLC
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Reviewed in March 2021
Kurt called me promptly and was very helpful on the phone at first contact. When I called back to hire him we set a date and approximately time. He showed up on time and did a very professional job ,was very thorough,answered all of my questions and did an excellent job. I would ire him again...
Trenchless Solutions, Inc.
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Reviewed in November 2020
He is very honest, has a really good attitude, very efficient, and knows what he is doing, he has reasonable prices compared with other electricians.
Excelled Electric
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Reviewed in March 2020
Professional, on time, great communication all the way along. Perfect service and product for my project.
Integrity Hardwood, LLC
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Reviewed in November 2017
On time, very considerate. 3 guys worked quickly and did a great job..
JP General Construction
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Find Siding pros in Saint Regis

DaBella - Missoula (Siding)

3.7(

753

)

Vinyl Siding - Install or Completely ReplaceWood or Fiber-Cement Siding - Install or Completely ReplaceMetal Siding: Install or Completely Replace+3 more

Serving Saint Regis, MT and surrounding areas

Approved (Corporate)

In business since 2011

Free estimates

Credit card accepted

"Eric R and Brandon F did a fantastic job. They took the time to show me what I needed. Thier attention to detail and explaining everything to me with pictures as proof was very nice. They had good suggestions on working on the roof instead of the siding as the roof was much worse."

6 neighbors recently requested a quote

Recommended by87%of homeowners

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Falksway Construction

5.0(

)

Wood or Fiber-Cement Siding - Install or Completely ReplaceMetal Siding: Install or Completely Replace

Serving Saint Regis, MT and surrounding areas

Approved

In business since 2001

Free estimates

Credit card accepted

We specialize in all phases of remodeling for your home, business, bathrooms, kitchens, finishing basements, and more! We guarantee your satisfaction, and we won' t leave until the job is done right. We pride ourselves on the quality work we provide, while delivering great customer service! Check out all the services we offer below and call -or- click to schedule a free estimate today!

2 neighbors recently requested a quote

Recommended by100%of homeowners

Vinyl Siding - Install or Completely ReplaceMetal Siding: Install or Completely ReplaceWood or Fiber-Cement Siding - Install or Completely Replace

Serving Saint Regis, MT and surrounding areas

Approved

In business since 2023

Free estimates

Emergency services offered

"All the work was on time and to satisfaction! The crew was kind and professional! I would definitely use this company again for all my home improvements!"

25 neighbors recently requested a quote

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Ascended Constructions

New to Angi

Vinyl Siding - Install or Completely Replace

Serving Saint Regis, MT and surrounding areas

Approved

In business since 2023

Offers commercial services

Were a family owned and operated company that values honesty and integrity, and stands behind our work. We offer over 40 years of industry experience. We specialize in Asphalt Shingle Roofing installation, replacement, and repairs. Our services are customized to the individual project, paying close attention to the details of each project that we're involved with. We look forward to building long-term relationships with our clients and guarantee your satisfaction!

8 neighbors recently requested a quote

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Ascended Constructions

New to Angi

Vinyl Siding - Install or Completely Replace

Serving Saint Regis, MT and surrounding areas

Approved (Corporate)

In business since 2023

Offers commercial services

1 neighbors recently requested a quote

Metal Siding: Install or Completely ReplaceMetal Siding: Repair or Partially ReplaceVinyl Siding - Install or Completely Replace+2 more

Serving Saint Regis, MT and surrounding areas

In business since 2015

Emergency services offered

Warranties offered

"Mason completely replaced the siding on my house, and did an absolute beautiful job. I have quite a few future projects and this is absolutely who I plan on rehiring."

Response time12 hrs

Recommended by50%of homeowners

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Hampton Enterprise LLC

3.7(

)

Metal Siding: Install or Completely ReplaceMetal Siding: Repair or Partially ReplaceSiding Installation or Repair+4 more

Serving Saint Regis, MT and surrounding areas

In business since 1989

Free estimates

Emergency services offered

"They were good. They were pretty fast and came on time. My overall experience with them has been good."

Recommended by60%of homeowners

Metal Siding: Install or Completely Replace

Serving Saint Regis, MT and surrounding areas

In business since 2023

Free estimates

Emergency services offered

We specialize in new construction and remodel. We do roofing, siding, windows and doors, drywall to new tile. Millennial Buildings is committed to excellence in every aspect of our business. We uphold a standard of integrity bound by fairness, honesty, and personal responsibility. Our distinction is the quality of service we bring to our customers. Accurate knowledge of our trade combined with ability is what makes us true professionals. Above all, we are watchful of our customer's interests and make their concerns the basis of our business.

+79

Response time5 hrs

Response rate91%

Recommended by33%of homeowners

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Allen's Siding & Windows, Inc.

New to Angi

Asbestos Siding - RepairMetal Siding: Install or Completely ReplaceMetal Siding: Repair or Partially Replace+4 more

Serving Saint Regis, MT and surrounding areas

In business since 1988

Allen's Siding & Windows, Inc., is a Full Service,Owner Operated Company for over 17 years in complete exterior home improvements from custom design additions, sunrooms, patios, and decks to complete siding and window installations and repairs as well as all exterior window treatments including custom shutters and awnings. We specialize in ALSIDE ULTRAMAX Windows, which have been energy star partner for 3 years running. We work with you from start to finish with complete client focus, and professional personalized service giving superior craftsmanship with attention to each detail to ensure we create the vision you have for your home. Hire The Contractor not a Salesman. Please see our website at www.sydngys.com

Metal Siding: Install or Completely ReplaceMetal Siding: Repair or Partially ReplaceSiding Installation or Repair+4 more

Serving Saint Regis, MT and surrounding areas

In business since 2010

Free estimates

Emergency services offered

"Vad is an amazing finish guy. He helped me since i was was building my own house. So Vad came and showed secrets how to professionally get all the angles on the trim to be perfect without any gaps. He made it look easy. If you want an expert to do your work than id highly advice to use Vad. He knows what he is doing and you'll not regret it. Thank you Vad for great work you did on my house."

+25

Recommended by100%of homeowners

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Showing 1-10 of 20

Siding questions, answered by experts

Engineered wood siding is still a relatively new type of siding, so it’s hard to say with certainty how long engineered wood siding will last. That said, homeowners should expect to get somewhere from 20 to 30 years out of their engineered wood siding, especially if they keep up with maintenance, including painting it every 10 years. Painting the exterior of a house costs an average of $3,150.

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.

You should install your cedar shake siding with the rough side exposed. The smooth side is less resistant to weathering over the years, and the rough side gives your home a more rugged aesthetic. The rough side also takes to paint better and ensures any paint job will last longer before needing to be redone.

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.

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