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The best way to assess that your stucco needs repair is to inspect it, both visually and physically. If you notice cracks, chips, or staining, that’s a good indication that your stucco could use some TLC by a professional. Additionally, if you touch an area that feels soft and has a little “give,” you should consider repairing it as soon as possible to avoid further damage, both to additional stucco spots and to your home’s structure. 

The length of time shouldn’t matter much if you stick with lightweight Christmas lights and similar decorations. Those shouldn’t pose risks to your stucco. You should avoid attaching anything to your stucco that could fall because it’s too heavy, which may take part of the stucco with it. Some methods, like using double-sided tape or adhesive hooks, will naturally wear out over time and lead to falling lights, so don’t expect to leave these lights up year-round.

When cleaning stucco siding, it is recommended to use a pressure washer with a psi (pounds per square inch) between 1,500 and 2,000. This range provides sufficient power to remove dirt and grime without causing damage to the stucco surface. It's important to avoid using excessive psi as it can chip or crack the stucco. 

Using a wider spray nozzle and keeping a safe distance of about seven to 10 feet from the siding helps ensure a gentle and effective cleaning process. Always follow the manufacturer's guidelines and adjust the psi accordingly based on the condition of your stucco and the specific requirements of your pressure washer.

Homeowners insurance may cover the cost of siding repair or replacement, but coverage depends on the cause of the damage. Most policies will cover damage from a covered event, such as a storm, wind, hail, fire, natural disaster, or other impact damage. Your policy might pay for the full or partial cost of the repair or replacement. However, damage resulting from age, general wear and tear, or neglect is typically not covered, and you should expect to pay for those repairs out of pocket. It is best to review your specific homeowners insurance policy for full details on what is covered, how to file a claim, and what documentation is required.