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From an impact, from a nail driven too close to the edge, or from movement in the framing behind it.
Where two plank ends meet. Without flashing behind the joint, water that gets past the caulk goes straight into the wall.
Around windows and corner boards. The caulk hardens and splits in the sun long before the siding does.
Usually on the west and south walls first. Bare fiber-cement absorbs water at cut edges.
Siding run down to the soil or a flower bed, where it wicks moisture; manufacturers call for a clearance.
Where a lower roof meets the wall, water runs behind the siding instead of into the gutter.

Individual planks can be cut out and replaced, which keeps a repair small. The trick is matching: plank profile and texture vary by product line, and a new plank needs primer and paint that blends into a wall that has weathered for years. A contractor should bring a sample or cut one from a hidden spot before promising a match.
Where the problem is a missing flashing behind the joints, the fix is pulling courses and installing it, not more caulk on the face.
On the Galveston County side, TWIA lists “re-siding a significant portion of an exterior wall” among work that needs a certificate of compliance. A few planks is a repair. Re-siding a wall is not, and it is inspected like a roof. The inspector or appointed engineer looks at the fastening and the weather barrier before they disappear.
The windstorm inspection applies in League City, Friendswood south of Clear Creek, Dickinson, Kemah, Clear Lake Shores, Bacliff, San Leon, Santa Fe and Seabrook. It does not apply in Clear Lake City, Nassau Bay, Webster, El Lago or Taylor Lake Village. The county line page has the table.
Yes. It is cut out and a new one fastened and painted in. Matching the texture is the hard part.
Manufacturers differ; many call for flashing behind butt joints rather than relying on caulk. The product’s own instructions govern.
Watch the south and west walls. When the paint chalks or the cut edges show, it is time.
Say which wall and what you see. A local siding contractor calls back.
Call (832) 905-8893 Book a Wind Inspection