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Cracks in the chimney can be very serious, depending on their location and size. Even small cracks can become serious over time if left unrepaired. Cracks allow heat and moisture to deteriorate your chimney and harmful carbon monoxide gas to seep into your home. Small cracks can often be caulked, while large cracked sections may require full replacement.

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.

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.

The length of time shouldn’t matter much if you stick with lightweight Christmas lights and similar decorations. Those shouldn’t pose risks to your stucco. You should avoid attaching anything to your stucco that could fall because it’s too heavy, which may take part of the stucco with it. Some methods, like using double-sided tape or adhesive hooks, will naturally wear out over time and lead to falling lights, so don’t expect to leave these lights up year-round.