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Stucco questions, answered by experts

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.

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.

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 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. 

Neutral colors like white, tan, beige, and light brown are the most popular stucco colors. Natural stucco has a grayish color due to the high concentration of Portland cement in the material, but most homeowners have their contractors add pigments to create a more inviting appearance. Stucco is most popular in hotter climates, where it provides ample insulation to regulate interior temperatures and keep the solar heat out. Since lighter colors reflect more sunlight, lighter stucco is more prevalent.

The Manning, IA homeowners’ guide to stucco services

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