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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.

The Mediterranean style is unique in that it’s designed for homes in hotter climates and to maintain a connection with nature. The building materials include stucco siding, clay roofs, and interior tiling with tall ceilings and open floor plans. These all come together to keep the interior cool. The building materials are all natural and tend to have muted earth tones, and the architecture typically allows for easy, open access to the outdoors through large windows and arched doorways. The decor and architecture can range from simple and functional to opulent, depending on the type of Mediterranean home it is.

A standard drill will work just fine if you’re drilling small holes, and only a few of them. But anything with a diameter larger than 3/8 inch is best done with a hammer drill, since it is stronger, faster, and also makes your drill bits last longer. While you don’t absolutely need a hammer drill for stucco, it is a worthy investment if you think you might drill more holes down the road.

Choosing between traditional and synthetic stucco depends on your specific needs, budget, and climate. Both options are durable, but synthetic stucco includes an extra layer that makes it more resistant to cracking and a better choice for climates with extreme weather. In hot, dry climates with less rainfall, traditional stucco is a suitable and more affordable option that is less likely to trap moisture. Synthetic stucco also offers more color options and requires less maintenance.

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 Armour, SD homeowners’ guide to stucco services

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