Your home's exterior is your first line of defense against harsh weather. Your siding can take a beating from freezing winds, heavy rain and snow, but it won't last forever. If you want the benefits of a well-insulated home, you need to think about some of the telltale signs that it is time for new siding.

Here are some factors to look out for:

• Cracks, holes and rot. These are the easiest problems to spot. Both vinyl and wood siding can eventually develop cracks and holes over time, and wood can start to rot once the paint covering it wears away. Don't let these issues fester.
• Warping. It takes a keen eye to see whether your siding panels are warping, which could be a subtle sign of water damage or poor construction.
• Moisture and mold. Does your home feel more humid than normal? Are you seeing mold develop? This suggests that your siding is failing and allowing additional moisture inside your home. If you find mold, make a note of where it is and check out the exterior wall at that point. You might find problems that you initially missed.
• Unexplained bills. Maybe there are no visible problems with your siding. And yet, each winter you consume more fuel to keep the place warm. Sometimes, houses get drafty for reasons that are not immediately obvious during an exterior inspection. These problems still need to be addressed.

Looking for homeowner's insurance? The insurance experts at Fundy Mutual are always here to answer your questions and provide some of the lowest rates around. Call us today to learn more.