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Yes, it is common for mold to grow on the underside of the siding due to the moist atmosphere. When there is an abundance of moisture, mold has the ideal environment to spread and thrive. This fungus can be found on virtually any surface, both indoors and outdoors. Generally, it is most active when the environment is warm, damp, and humid.

The lifespan of siding ranges from 20 to over 100 years, depending heavily on the material, climate, quality of installation, and maintenance.

• Vinyl, Wood, and Aluminum: Typically last 20 to 40 years. Engineered wood may need replacement after just 20 years.

• Fiber Cement: Lasts around 50 years.

• Brick and Stone: These are the most durable, lasting for a century or more with proper care.

The longevity of any siding can be shortened if it's not properly maintained or if damage is not repaired promptly. Regular cleaning is vital. It's time for a replacement when you see widespread damage, signs of water intrusion, or a spike in energy costs.

Though vinyl siding is affordable, the material may not last as long or look as good as other siding materials. For example, wood siding has a beautiful, natural appearance but requires much more maintenance to keep your siding looking as good as new. 

Fiber cement siding is another alternative that mimics the appearance of wood siding. Like vinyl siding, fiber cement is a low-maintenance material, but it does come at a higher price and is heavier and more difficult to install. Weigh the pros and cons of all siding materials before you decide on the best option for your home.

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.