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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.

Homeowners insurance does not cover DIY mistakes, so tread lightly if you plan to tackle your own home repairs or renovations. If you cause damage to your home while attempting repairs or renovations yourself, the cost of fixing the damage is often considered your responsibility. Most policies only cover damage caused by covered perils like fire, theft, or weather—not by homeowner errors.

Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.

Challenges include ensuring structural safety, completing soot removal, meeting restoration codes, and effectively managing insurance claims.