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There should be small gaps between your roof and the walls of your home, and other buildings. These small gaps let building materials shift, expand, and contract with weather and other outside forces, and they prevent moisture from wicking down walls from roofing and gutter systems. Without these strategic gaps, your home’s exterior and its finishes can sustain water damage, decay, peel, delaminate, and crack. However, there is a fine line between a smart gap and a problematic gap—all  gaps should be small, intentional, and covered or filled in with foam insulation to prevent pests from using them as access points.

The main differences between dutch lap versus clapboard siding have to do with their design and texture. Clapboard siding features flat, beveled planks stacked at a slight angle, offering a simple, traditional look. Dutch lap siding features a subtly concave surface along with a notch that creates a shadowed look between the boards. This eye-catching design often resembles wood grain and introduces a noticeable shadow line, making it more visually interesting compared to the simpler look of clapboard siding.

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 best types of siding to withstand hail are fiber cement siding and engineered wood siding. Fiber cement siding is known for impact resistance, while some brands of engineered wood siding can withstand hail as big as 1 and 3/4 inches with no marks. Vinyl and aluminum siding are the most susceptible to hail.