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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.

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.

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.

The curing time for stucco typically takes several weeks to fully complete. During the curing process, the stucco undergoes a chemical reaction and gradually hardens. It's important to note that curing is different from drying. While the surface of the stucco may dry relatively quickly within a few hours or days, the curing process continues beneath the surface, strengthening and solidifying the stucco. 

It's best to avoid excessive moisture exposure during the curing period, as it can impede the curing process. The exact curing time can vary based on factors such as temperature, humidity, and the specific stucco mixture used.

If your windows are losing efficiency from wearing out or experiencing leaks on rainy days, it may be time to consider replacing them. Window replacement costs run between $180 and $410 per window but may be on the higher end for homes with stucco siding since stucco will likely require more time and special tools for replacement.

The Everett, PA homeowners’ guide to stucco services

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