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All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.

Several clues suggest that your stucco is damaged or has underlying issues. Visual clues include discoloration, cracks, indentations, broken caulking, or visible mold. If you touch your stucco and feel any soft spots, that could also indicate a problem. If you notice any of these concerns, call in an inspector who can confirm your suspicions and help provide solutions.

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.

The Mediterranean style is unique in that it’s designed for homes in hotter climates and to maintain a connection with nature. The building materials include stucco siding, clay roofs, and interior tiling with tall ceilings and open floor plans. These all come together to keep the interior cool. The building materials are all natural and tend to have muted earth tones, and the architecture typically allows for easy, open access to the outdoors through large windows and arched doorways. The decor and architecture can range from simple and functional to opulent, depending on the type of Mediterranean home it is.