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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.

The length of time shouldn’t matter much if you stick with lightweight Christmas lights and similar decorations. Those shouldn’t pose risks to your stucco. You should avoid attaching anything to your stucco that could fall because it’s too heavy, which may take part of the stucco with it. Some methods, like using double-sided tape or adhesive hooks, will naturally wear out over time and lead to falling lights, so don’t expect to leave these lights up year-round.

Solid, unpainted stucco shouldn’t suffer damage from dots of glue used for this task. If the stucco is dirty, you may notice slight marks when you heat and peel the glue away, but these aren’t permanent.

However, not all stucco walls are solid stucco. Some are “faux” stucco with a foam backing. This kind of stucco veneer is more susceptible to damage, including damage from hot glue. We don’t suggest attaching anything to these kinds of stucco walls, so make sure you check the stucco type before starting this project.

The cost of a repair depends on several factors, including the severity, complexity, and type of damage. Other key elements are the cost of any necessary replacement parts, hardware, materials, or required software updates. Labor rates and whether emergency service is needed will also influence the final price.