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Neutral colors like white, tan, beige, and light brown are the most popular stucco colors. Natural stucco has a grayish color due to the high concentration of Portland cement in the material, but most homeowners have their contractors add pigments to create a more inviting appearance. Stucco is most popular in hotter climates, where it provides ample insulation to regulate interior temperatures and keep the solar heat out. Since lighter colors reflect more sunlight, lighter stucco is more prevalent.

A standard drill will work just fine if you’re drilling small holes, and only a few of them. But anything with a diameter larger than 3/8 inch is best done with a hammer drill, since it is stronger, faster, and also makes your drill bits last longer. While you don’t absolutely need a hammer drill for stucco, it is a worthy investment if you think you might drill more holes down the road.

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.

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.