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Siding questions, answered by experts

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.

This is a tricky answer because how fast you work, how large your team is, and what type of siding you install will all determine your total time. One person placing bricks around an entire house can take weeks, but a team of 10 could complete the job in just a few days. Installing siding is a job that’s best done by a pro, as they are experienced and will perform solid work. A rough guideline for DIYers is to budget 15 minutes per square foot of siding.

Composite siding is very resistant to warping that can affect some other sidings. Because of its composition, this siding doesn’t have the same risks of moisture damage that can cause rotting, buckling, and warping. Composite material doesn’t warp in high temperatures the way some kinds of vinyl siding can.

That said, composite siding is not entirely immune from moisture damage. It should still be properly installed so that moisture can properly drain from behind the siding, and protected by eaves and clean gutter so the siding doesn’t get repeatedly soaked by rain, which could lead to damage.

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.

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.

The Hagerman, NM homeowners’ guide to siding services

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