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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.

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.

If it is applied properly, stucco is a durable material that can last between 50 and 80 years, especially with regular repair and maintenance. Things like painting the stucco every 10 years or so will help it last longer. The location of your home plays a big part in the life span of your stucco, too.

The length of time shouldn’t matter much if you stick with lightweight Christmas lights and similar decorations. Those shouldn’t pose risks to your stucco. You should avoid attaching anything to your stucco that could fall because it’s too heavy, which may take part of the stucco with it. Some methods, like using double-sided tape or adhesive hooks, will naturally wear out over time and lead to falling lights, so don’t expect to leave these lights up year-round.

Tools include trowels, floats, and patching compounds. Professionals use these for precise and durable repairs.

The Mission, SD homeowners’ guide to stucco services

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