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Lesson 3 of 3

The second siding job
is the expensive one.

Siding is priced by the square foot and paid for by the year. The bid shows what the first job costs. This page is about what a wall costs per year it keeps the weather out and the house looking kept, and it is written for the person funding the build as much as the person building it.

Two drawings of siding meeting a roof with step flashing, a 1 inch gap to the shingles, and Z-flashing above trim with a 3/8 inch gap
The places a wall fails first: where the roof meets it and where trim crosses it. The makers draw them because the warranty does not cover them. LP SmartSide lap siding application instructions.
The math the bid leaves out

Three costs that never make the spreadsheet.

The paint. A primed board gets painted on the wall and then again when the paint quits, every coat a painter, a lift, and a week of the house wrapped in tape. A factory finish pushes the first repaint out to the far side of a 15-year finish warranty and sometimes past it. Vinyl never gets painted. Real wood gets painted the most. None of that is on the bid, and over twenty years it is not small.

The bottom courses. Siding does not fail across the whole wall. It fails at grade, along the deck and the roof line, and at the joints, which is why every maker's instructions are mostly drawings of those places. When the bottom courses rot because the clearance was not kept or the kick-out was skipped, the trim comes off, then the courses, and the sheathing gets opened up. It is a second job on a house that is occupied, at a later year's prices, and the warranty names it as an installation problem and steps aside.

The tear-off and the resale. The second siding job starts by paying to remove the first one. And between the two jobs the siding is what the street sees: a builder's callback on buckled vinyl or a cracked corner is a callback with your name on it, and for an owner the inspector's note about soft trim at the bottom of the wall is a repair credit on the closing statement. Neither one is a line on the bid, and both are real money.

The question is not which siding is cheaper. It is what each wall costs per year it does its job.

How to use this page

Bring two quotes. We do not put prices on the site.

Get an installed quote per square foot of wall for the siding you are being told to buy and one for the siding you would rather hang. Enter the wall area, both quotes, and how long you expect to own the house. Then enter the service life you believe for each, the upkeep you expect per square foot in an average year (a repaint spread across the years between coats, or nothing on vinyl), and what a tear-off costs per square foot when the day comes. The questions below give the terms the makers publish.

The calculator charges upkeep every year, counts a replacement and a tear-off whenever a siding's life runs out inside your hold, and credits the unused life of whichever wall is still good when you sell. The result is what each choice costs over the hold, and per square foot per year of service.

It does not know which sidings you are comparing. It only knows arithmetic.

What the makers publish

Terms to start from, not to stop at.

Engineered wood: LP SmartSide is warranted 50 years on the board, with the first 5 years paying labor and material and the rest prorated; ExpertFinish adds 15 years on the finish. Primed product has to be painted within 180 days.

Fiber cement: James Hardie is 30 years non-prorated on the board and 15 on the ColorPlus finish. Nichiha is 30 years prorated on the board. Primed Hardie has to be painted within 180 days; Nichiha allows 12 months.

Vinyl: CertainTeed and Royal warrant the panel for the original owner's lifetime, with fade measured against a number. Neither publishes a service life in years, and no siding maker we sell publishes one; the calculator asks for the number you would defend to a buyer.

Metal: GingCo board and batten is a coil-coated steel panel, quoted to order. Ask us for the coating sheet for the color you pick.

Cost Over Time

Two sidings, one house, your numbers.

Nothing you type here is sent anywhere. It runs in your browser.

The house

Siding A (the cheaper quote)

Siding B (the better quote)

Warranty terms the makers publish: engineered wood 50 years prorated after year 5, 15 on the factory finish; fiber cement 30 years, non-prorated or prorated by maker; vinyl the original owner's lifetime. Pick the life you would defend to a buyer, and the upkeep you would actually do.

Over 15 years, 2,400 square feet

Siding A, day one
Siding A, upkeep over the hold
Siding A, replacements during the hold
Siding A, cost over the hold (net of unused life)
Siding A, per square foot per year of service
Siding B, day one
Siding B, upkeep over the hold
Siding B, replacements during the hold
Siding B, cost over the hold (net of unused life)
Siding B, per square foot per year of service
Difference on the bid
Difference over the hold

Fill in both quotes and both service lives to see the comparison.

Cost over the hold = first job, plus upkeep every year, plus each replacement (new siding plus tear-off) that falls inside the hold, minus the value of the life left in the last wall when you sell (priced at that siding's installed cost). Per square foot per year of service = installed cost divided by service life, plus a year's upkeep.

Before You Price Siding

Know what you are wrapping the house in.

Three short reads on siding and the sheathing under it. Written for the builder who has to answer to the money, and for the money.

Frequently Asked

Siding cost over time, answered.

How often does siding need to be repainted?
It depends on what is under the paint. A primed engineered wood or fiber cement board gets painted once on the wall and then again whenever the paint gives out; the makers do not publish a repaint interval, and the paint maker's warranty is the number to use. A factory finish comes with a term in writing: LP ExpertFinish and James Hardie ColorPlus each carry a 15-year finish warranty, and both makers say a fresh coat is the fix when it does wear. Vinyl is never painted, and painting it without the maker's say-so voids CertainTeed's warranty. Real wood wants a coat every few years in the open. Put the interval you would actually keep in the calculator, not the one you hope for.
Why does siding rot at the bottom, and what does it cost?
Because water sits there. The bottom course touches grade, a deck, a slab, or a roof, and every maker's instructions say to keep it 6 inches off the ground and 1 to 2 inches off everything else for that reason. Siding in contact with the ground is a named exclusion in LP's warranty. When the bottom courses go, the fix is not a repair: the trim comes off, then the courses, and the sheathing under them gets checked. If it is soft, it comes out too. That is the "second job" in the title, and it is done while the house is occupied and at a later year's prices.
What is the tear-off on a siding job?
The labor and the dumpster to get the old siding, trim, and sometimes the wrap off the house before the new siding goes on. On a re-side it is a real line on the quote, and it is paid again every time the siding is replaced. The calculator asks for it per square foot and charges it at every replacement inside your hold. The first siding job on a new house has no tear-off; that is why a longer-lived first choice matters most on a house you will keep.
Does siding affect resale or insurance?
Resale, yes: siding is most of what a buyer sees from the street, and an inspector's report on rot at the bottom courses or buckled vinyl is a repair credit. Insurance, honestly, less than people hope. No maker we sell publishes a hail impact class on siding the way shingle makers do, and every siding hail warranty (LP, CertainTeed, Royal) sends you to your homeowner's policy first and pays material only after that. Ask your agent whether your carrier treats any siding differently; do not count on it.

Stop By the Desk

Let’s talk it through in person.

Bring your plans or just your questions. We’ll get you squared away.
119 Cumberland St, Ashland City. The coffee’s on.

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