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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.

Several clues suggest that your stucco is damaged or has underlying issues. Visual clues include discoloration, cracks, indentations, broken caulking, or visible mold. If you touch your stucco and feel any soft spots, that could also indicate a problem. If you notice any of these concerns, call in an inspector who can confirm your suspicions and help provide solutions.

Depending on the amount of damage, a stucco repair professional can repair your stucco siding in four to 12 hours. If you only have a few small cracks, that repair could take as little as one to two hours to repair. In contrast, if you have an extensive fix, like foundation or chimney repair, you can expect the process to take a bit longer. Always discuss your project expectations with your stucco repair expert.

The curing time for stucco typically takes several weeks to fully complete. During the curing process, the stucco undergoes a chemical reaction and gradually hardens. It's important to note that curing is different from drying. While the surface of the stucco may dry relatively quickly within a few hours or days, the curing process continues beneath the surface, strengthening and solidifying the stucco. 

It's best to avoid excessive moisture exposure during the curing period, as it can impede the curing process. The exact curing time can vary based on factors such as temperature, humidity, and the specific stucco mixture used.