Why do them together
Windows and siding meet at the same edges. Doing both at once lets the installer seal and flash around the windows properly, which helps keep water out. It can also save on labor and setup compared with two separate jobs.
If only one part is failing, it can still make sense to do just that piece now. Ask your contractor how the new work will tie into what stays, so you don't create a weak spot.
Choosing materials
Upkeep matters as much as the price tag. Some siding needs painting or sealing on a regular schedule, while other types need little more than an occasional wash. Window frames differ the same way.
- Siding: vinyl, fiber cement, engineered wood, natural wood and others, each with different cost, upkeep and look
- Windows: frame material, glass type and energy ratings
- Color and style that fit your home and neighborhood
- Warranties on both the product and the installation
Watch for surprises
Removing old siding can reveal rot, insect damage or missing house wrap. Older windows may sit in damaged frames. Add 10% to 20% to your bid for repairs like these.
If your home was built before 1978, it may have lead-based paint. Federal rules generally require contractors to be certified in lead-safe practices for this kind of work. Ask to see the certification.
Permits, HOAs and historic districts
Many areas require permits for window and siding replacement. HOAs often have rules on colors and materials, and historic districts may limit what you can change. Check before you sign a contract.
Storm damage? Check insurance first
If hail or wind damaged your siding or windows, your homeowners policy may cover some of the repair. Coverage depends on your policy and deductible, so review your policy or talk with your agent before you borrow.
Plan the job
- Get two or three bids for the same materials and scope
- Ask how long the work will take and how the crew will protect landscaping
- Confirm who handles permits and final inspections
- Get a written contract with a payment schedule tied to finished work
- Keep receipts, warranties and lien waivers together
How to borrow
A home equity loan gives you a lump sum at a fixed rate and keeps your first mortgage as is. If your current mortgage rate is close to today's rates, a cash-out refinance may be worth comparing.
CapCenter offers fixed-rate home equity loans from $50,000 to $250,000, with 15, 20 or 30-year terms, on single-family primary residences and second homes, with ZERO Closing Costs (restrictions apply).
