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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.

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

Hiring a professional for stucco repair ensures accurate diagnosis and application of appropriate techniques to prevent further damage. They deliver seamless results that maintain aesthetic appeal and prolong the exterior’s life.

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