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Stucco FAQs, answered by experts

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.

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.

It’s not advisable to use CLR on stucco. CLR is a powerful acidic cleaner designed for removing tough mineral stains. Stucco is a porous material commonly made of cement, lime, and sand. The acidic nature of CLR can potentially damage or etch the stucco surface, leading to discoloration or deterioration. 

It is best to use cleaning solutions specifically formulated for stucco or mild household cleaners mixed with water to clean stucco siding. Always test any cleaning product in a small, inconspicuous area before applying it to the entire stucco surface.

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.

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.

The Nicollet, MN homeowners’ guide to stucco services

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