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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.

You can put new siding over clapboards, but it’s not recommended. Some sidings, like vinyl siding, can go over clapboards with sheathing like a foam layer in between. However, it’s best to remove clapboard siding if you plan on replacing it with new siding. Burying wood clapboards underneath new siding can create risks of rot and mold, or hidden insect damage. It can also create warping issues over time. Removing clapboards allows you to properly install a new sheathing, as well as clean up the exterior wall and look for any signs of damage.

Many people remove aluminum siding to get to the wood underneath, allowing them to paint, stain, or finish the wood to give the home a brand-new aesthetic. With that in mind, you find plywood and related types of wood underneath aluminum siding, but you also run into fiber cement board, strand board, and a diverse array of other building materials. It depends on the original design of the house. 

The cost to install or replace brick or stone siding generally ranges from $10 to $50 per square foot. The final price depends on several factors, including the specific material type, local labor rates, and any necessary preparation work, such as removing old siding. For example, different types of stone have varying costs per square foot: natural stone ($4.50–$35), stone veneer ($11–$13), faux stone ($6–$9), and cultured or manufactured stone ($5–$8).