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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.

Stucco applied over brick can last 30 to 50 years or more when correctly applied and properly maintained. Stucco’s lifespan can be shortened by improper application, incorrectly mixed material, lack of preparation before application, and lack of maintenance. To get the most life out of your stucco siding, keep up with maintenance and repair any damage as soon as you discover it. 

Stucco repair can best be described as a patch. It involves identifying the problem and fixing that specific damage with additional stucco. If no mold infiltration or an underlying leak is causing the damage, repair is most likely all you need. 

Remediation, on the other hand, involves removing the existing siding, fixing the underlying cause of the damage, and then reapplying stucco siding for that wall. It’s a more permanent fix that takes longer to complete and, hence, comes with a steeper price tag than repair.

Yes, you can apply the stucco yourself, but it is a time- and labor-intensive project, especially on the exterior of a whole house. DIY stucco is better suited for repairing stucco siding or siding a smaller building, such as a shed or garage. Since most of the cost of stucco siding goes to labor, you can cut down significantly on the total if you’re up for the challenge.