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Siding and cladding are two popular exterior wall coverings that protect homes from the elements and provide insulation, but they differ in design and application. Siding is applied directly to a home’s exterior, providing some insulation and basic shielding from the elements. In contrast, cladding is installed indirectly over furring strips, creating a ventilated air gap for enhanced insulation and moisture control.

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.

Bleach can be an option if you want to kill mold and mildew clinging to your siding. However, you must water bleach down to the right concentration of a 1/2 cup of bleach per gallon of water to avoid damaging your siding. Bleach can also harm plants in your yard and isn’t safe to use near pets, so employ it with caution.

Local pressure washing services often offer non-bleach options that can powerfully remove mold and mildew.

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).