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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.

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.

If contractors discover water damage, rot, or mold beneath the stucco, additional repairs will be necessary. These repairs can increase your total project cost and timeline, but addressing them promptly is essential for your home’s structural integrity. Ignoring hidden damage can lead to more severe issues and higher costs in the future.

Failing to repair damaged stucco can lead to significant problems. Cracks can grow and deepen, allowing water and moisture to get behind the stucco. This moisture intrusion can cause water damage, structural issues, and mold or mildew growth. Delaying repairs will likely cost more in the long run as the damage worsens, so it's best to repair your stucco as soon as you notice any signs of damage, such as cracks, holes, or discoloration.