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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.

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.

Choosing between traditional and synthetic stucco depends on your specific needs, budget, and climate. Both options are durable, but synthetic stucco includes an extra layer that makes it more resistant to cracking and a better choice for climates with extreme weather. In hot, dry climates with less rainfall, traditional stucco is a suitable and more affordable option that is less likely to trap moisture. Synthetic stucco also offers more color options and requires less maintenance.

You can use small bits that are up to 3/8 inch in diameter, or larger bits that are 1/2 inch or more in diameter. Make sure the bits you use are coated with carbide or diamond; this information is usually visible on the package. You can also use hole saw bits to drill into stucco.