Mildew grows into porous wood, making it more difficult to remove than regular dirt (and more destructive). We suggest using a dedicated mildew and mold fungicide to remove mildew, which is found in any local home improvement store. Apply a dose of the fungicide to the siding and leave to work according to the instructions, usually for an hour or two. Then wash it thoroughly away and scrub the spot again. Repeat the process if necessary. If nothing is removing the mildew stains, you should plan on removing those clapboard planks in time, as their damage could cause future problems.

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.

Vinyl is lightweight, easy to install, durable, and long-lasting, and as long as a professional installs it, it should remain waterproof for several decades to keep your home protected. It can hold out against extreme weather conditions, and it doesn’t make a nice home for any sort of insects. Plus, vinyl is affordable and comes in a variety of looks and colors. When it comes to board and batten siding, vinyl is one of the most affordable material options.

Signs that you need to replace your siding include siding that’s warping, bubbling, or cracking; signs of rot or mold growth; fading, peeling, or chipped siding or paint; or siding that’s separating from the exterior of your house. Failing to replace your siding when it’s damaged can lead to moisture problems or structural damage, so promptly repair or replace siding as soon as you notice any of these signs.