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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.

To repair damaged exterior stucco, you’ll first remove all loose and crumbling material from the damaged area. You then need to thoroughly clean the area and dampen it to ensure proper bonding. After that, you’ll apply a bonding agent to the repair area, then apply new stucco in layers, allowing for curing time between each layer. The final coat should be textured to match the surrounding stucco pattern as closely as possible. Once fully cured, the repaired area can be painted to match the rest of the wall if needed.

When cleaning stucco siding, it is recommended to use a pressure washer with a psi (pounds per square inch) between 1,500 and 2,000. This range provides sufficient power to remove dirt and grime without causing damage to the stucco surface. It's important to avoid using excessive psi as it can chip or crack the stucco. 

Using a wider spray nozzle and keeping a safe distance of about seven to 10 feet from the siding helps ensure a gentle and effective cleaning process. Always follow the manufacturer's guidelines and adjust the psi accordingly based on the condition of your stucco and the specific requirements of your pressure washer.

When hiring for your project, look for licensed, insured contractors with experience in stucco removal. Ask them for references, review their past stucco removal projects, and request detailed, written estimates. A reputable stucco removal contractor will explain the entire process, outline all costs, and ensure proper disposal and compliance with local codes.