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Stucco questions, answered by experts

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.

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.

Neutral colors like white, tan, beige, and light brown are the most popular stucco colors. Natural stucco has a grayish color due to the high concentration of Portland cement in the material, but most homeowners have their contractors add pigments to create a more inviting appearance. Stucco is most popular in hotter climates, where it provides ample insulation to regulate interior temperatures and keep the solar heat out. Since lighter colors reflect more sunlight, lighter stucco is more prevalent.

When hiring for your project, look for licensed, insured contractors with experience in stucco removal. Ask them for references, review their past stucco removal projects, and request detailed, written estimates. A reputable stucco removal contractor will explain the entire process, outline all costs, and ensure proper disposal and compliance with local codes.

When cleaning stucco siding, it is recommended to use a pressure washer with a psi (pounds per square inch) between 1,500 and 2,000. This range provides sufficient power to remove dirt and grime without causing damage to the stucco surface. It's important to avoid using excessive psi as it can chip or crack the stucco. 

Using a wider spray nozzle and keeping a safe distance of about seven to 10 feet from the siding helps ensure a gentle and effective cleaning process. Always follow the manufacturer's guidelines and adjust the psi accordingly based on the condition of your stucco and the specific requirements of your pressure washer.

The Bryant, SD homeowners’ guide to stucco services

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