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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.

Stucco applied over brick can last 30 to 50 years or more when correctly applied and properly maintained. Stucco’s lifespan can be shortened by improper application, incorrectly mixed material, lack of preparation before application, and lack of maintenance. To get the most life out of your stucco siding, keep up with maintenance and repair any damage as soon as you discover it. 

The best tape that works on stucco is the kind made explicitly for stucco surfaces. Look for tape that specifies stucco, masonry, or cement installations. The adhesive usually needs to be thicker and more durable to remain stuck to these rough surfaces.

Stucco will dry in two to three days, but you should wait one to two months to allow it to cure fully before you paint it. The curing process is slow, but leaving the material exposed to air and natural moisture will help it reach its maximum strength. If you live in a hot, arid climate, wait a month before painting. Wait two months before painting if you live in a more moderate or wet climate.

The cost of a repair depends on several factors, including the severity, complexity, and type of damage. Other key elements are the cost of any necessary replacement parts, hardware, materials, or required software updates. Labor rates and whether emergency service is needed will also influence the final price.

The Aberdeen, SD homeowners’ guide to stucco services

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