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Stucco FAQs, 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.

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.

The best adhesive that works on stucco is usually a product specified for use on stucco or concrete surfaces. The adhesive will need to be strong to grip the stucco, but should also wipe away clean when used in a temporary application. You can also consider using super glue or hot glue on stucco.

Several clues suggest that your stucco is damaged or has underlying issues. Visual clues include discoloration, cracks, indentations, broken caulking, or visible mold. If you touch your stucco and feel any soft spots, that could also indicate a problem. If you notice any of these concerns, call in an inspector who can confirm your suspicions and help provide solutions.

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 Parmelee, SD homeowners’ guide to stucco services

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