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Hail as small as 3/4 inch (about the size of a penny) can cause damage to your siding. When hail reaches 1 inch in size, you can expect to see more cracks, chips, and holes, and hail that’s 1 and 1/4 to 1 and 1/2 inches around will cause significant damage. If you see hail that’s 1 and 1/2 inches to 2 inches or more in size, the damage is likely to be extensive and possibly even dangerous.

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.

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.

There are a few options to choose from when it comes to shingle siding, including cedar shake, vinyl, and fiber cement. You can get these shingle siding materials in different colors, shapes, and sizes, giving you plenty of room to customize. You can also combine different siding materials and patterns with shingles for a more unique curb appeal.