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The Mediterranean style is unique in that it’s designed for homes in hotter climates and to maintain a connection with nature. The building materials include stucco siding, clay roofs, and interior tiling with tall ceilings and open floor plans. These all come together to keep the interior cool. The building materials are all natural and tend to have muted earth tones, and the architecture typically allows for easy, open access to the outdoors through large windows and arched doorways. The decor and architecture can range from simple and functional to opulent, depending on the type of Mediterranean home it is.

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.

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.

The average cost to repair stucco is about $1,600, with projects ranging from $250 for minor fixes to $6,700 for extensive work. The price is often calculated per square foot, typically costing between $60 and $120. Some professionals may charge an hourly rate of $40 to $50. The final cost depends on the extent of the damage, the type of stucco, your home's location, and whether there is underlying damage that also needs to be addressed.

Costs for specific repairs vary:

• Cracks: $8–$20 per square foot

• Holes: $250–$450 per hole

• Water damage: $30–$50 per square foot

• Chimney repair: $60–$120 per square foot

• Recoating: $4–$5 per square foot

While you may be able to patch small cracks yourself, it is recommended to call a professional for major repairs to ensure the job is done correctly.