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The life span of metal siding depends on the type of material you choose. Typically, tin has the lowest life span (approximately 15 years), while copper has the longest (approximately 100 years). The environment can also impact metal siding’s longevity. In some instances, different types of metal siding can last longer than typical roofs.

While homeowners' insurance can include coverage for siding, general wear and tear of siding is not covered. If your siding is rotting—especially because you haven’t kept up with proper siding maintenance—replacement siding will likely not be covered by your homeowners' insurance policy. Instead, insurance generally covers siding repair or replacement if your siding has been damaged by extreme weather, vandalism, fire, or some kind of collision, like by a vehicle.

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. 

Vinyl can withstand many different cleaning methods, but there are two things you need to be wary of. First, particularly harsh chemicals will damage your vinyl siding and reduce its lifespan. Second, be careful about pressure washing your vinyl siding. Vinyl can resist powerful washing damage more than softer siding like wood, but high levels of pressure can still crack it. Use the lowest level of pressure for power washing vinyl, or hire a siding professional to do it.