Clapboard siding is traditionally made of wood, and is one of the most common types of wood siding in North America. When people talk about wood siding, they are usually talking about clapboard siding. However, not all wood siding is in the clapboard style: It can be tongue-and-groove, shake, and other designs. Also, clapboard siding can sometimes be made of different materials, like vinyl or fiber cement, so the terms are not interchangeable.

Different types of siding provide unique aesthetic and structural features, with each material commanding its own cost. Availability of materials and shipping costs also factors largely into the cost. The common types of siding materials include:

• Stucco: $7–$9 per square foot

• Wood: $1–$15 per square foot

• Engineered wood: $1–$6 per square foot

• Aluminum: $3–$6 per square foot

• Fiber cement: $5–$14 per square foot

• Brick: $10–$20 per square foot

• Brick veneer: $3–$10 per square foot

• Stone: $7–$30 per square foot

• Stone veneer: $5–$11 per square foot

Stucco is considered a type of cladding because it includes a built-in ventilation layer, a weatherproof membrane beneath that, and, often, a layer of insulation to improve building efficiency. The multiple layers of stucco—the scratch coat, the brown coat, and the finish coat—also create a more complex building membrane, so it’s more accurate to call it cladding. However, homeowners and contractors alike refer to stucco as siding.

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.