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Stucco questions, answered by experts

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.

Depending on the amount of damage, a stucco repair professional can repair your stucco siding in four to 12 hours. If you only have a few small cracks, that repair could take as little as one to two hours to repair. In contrast, if you have an extensive fix, like foundation or chimney repair, you can expect the process to take a bit longer. Always discuss your project expectations with your stucco repair expert.

The cost to replace the chimney crown or top is about $1,550 on average. The range varies widely depending on the size of the chimney, the materials used, accessibility, and the extent of the damage. If you suspect a problem with your chimney top, call a professional masonry contractor for an inspection. 

While your stucco repair professional can diagnose exactly what needs repair, it can be helpful to know what to look out for in the early stages to avoid significant reconstruction. Some common stucco repairs include: 

  • Cracks

  • Holes

  • Ceiling repair

  • Chimney repair

  • Stucco removal

  • Discoloration

  • Caulking

  • Water damage

  • Foundation repair

Properly maintained stucco can enhance insulation, reducing energy loss.

The Eldon, IA homeowners’ guide to stucco services

From average costs to expert advice, get all the answers you need to get your job done.