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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.

Some homeowners use caulk on the edges of clapboard siding to help seal it. However, this method invites new problems. With so many gaps sealed, clapboard siding is often unable to drain properly and moisture from rain or other sources can build up inside. This can lead to rot and other issues over time. When repairing clapboards, it’s best to avoid caulking the final product. The exception is trim around windows and doors, which should be caulked to avoid moisture problems.

Fiber cement siding is one of the lowest-maintenance options. The material’s formula is resistant to insect activities, moisture, and most physical impacts. Vinyl and aluminium siding is also fairly easy to upkeep. All these low-maintenance options only require basic surface cleaning, caulking, and regular gutter maintenance to prevent water dams from forming. 

When moisture infiltrates your siding, it can result in deterioration and decay of the sheathing, cause structural damage to your foundation, and provides an ideal breeding ground for mold. Mold growth can lead to various health-related problems, such as itchy eyes, sneezing, allergies, and asthma. Mold and dampness commonly attract a wide range of insects, so if your siding has taken any kind of water damage, it could invite some unwelcome guests.