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Stucco questions, answered by experts

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 is very challenging to DIY, so it’s always best to leave the work to professional stucco contractors. The same recommendation applies to painting a stucco house, which should be left in the reliable hands of a professional exterior painter. Inexperienced DIYers can make several critical mistakes during stucco application, such as:

  • Failing to apply sufficiently thick layers for longevity and water resistance

  • Uneven application

  • Uneven texture across the exterior

  • Mixing the stucco improperly, leaving a weak structure

  • Failing to texture properly in between coats, leading to cracking and chipping

While your stucco repair professional can diagnose exactly what needs repair, it can be helpful to know what to look out for in the early stages to avoid significant reconstruction. Some common stucco repairs include: 

  • Cracks

  • Holes

  • Ceiling repair

  • Chimney repair

  • Stucco removal

  • Discoloration

  • Caulking

  • Water damage

  • Foundation repair

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.

If it is applied properly, stucco is a durable material that can last between 50 and 80 years, especially with regular repair and maintenance. Things like painting the stucco every 10 years or so will help it last longer. The location of your home plays a big part in the life span of your stucco, too.

The Franklin, NE homeowners’ guide to stucco services

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