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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.

If it is applied properly, stucco is a durable material that can last between 50 and 80 years, especially with regular repair and maintenance. Things like painting the stucco every 10 years or so will help it last longer. The location of your home plays a big part in the life span of your stucco, too.

You should aim to let stucco dry for at least 48 hours before it rains. While misting new stucco and keeping it moderately moist is important for strength and longevity, uncontrolled exposure to rain can lead to weak stucco that doesn’t bond properly. Rain can also affect the stucco finish and the color unevenly, leaving you with less appealing siding.

Homeowners insurance generally won’t cover stucco damage unless it’s caused by a covered event like a storm or fire. You’ll need to pay out of pocket for damage caused by age, wear and tear, lack of maintenance, or faulty installation. Consult your policy for the specifics of what stucco damage is covered and what isn’t.