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Wood siding requires that air can circulate behind it and that water can drain away if necessary. Your home needs a water-restrictive barrier underneath furring strips to achieve the air and water gap.

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.

Vinyl log siding is durable, rot-resistant, colorfast, and scratch-resistant, and it can last for an average of around 30 years. Some vinyl siding can last for up to 60 years with proper maintenance. You won’t need to repaint or restain this type of siding every several years like you would with wood, so ongoing costs and upkeep will be minimal. Although it’s relatively low maintenance, you should still wash your vinyl log siding twice per year. Doing so will increase its longevity, remove any mold, and retain your home’s curb appeal.

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.