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The best way to assess that your stucco needs repair is to inspect it, both visually and physically. If you notice cracks, chips, or staining, that’s a good indication that your stucco could use some TLC by a professional. Additionally, if you touch an area that feels soft and has a little “give,” you should consider repairing it as soon as possible to avoid further damage, both to additional stucco spots and to your home’s structure. 

Failing to repair damaged stucco can lead to significant problems. Cracks can grow and deepen, allowing water and moisture to get behind the stucco. This moisture intrusion can cause water damage, structural issues, and mold or mildew growth. Delaying repairs will likely cost more in the long run as the damage worsens, so it's best to repair your stucco as soon as you notice any signs of damage, such as cracks, holes, or discoloration.

You can use small bits that are up to 3/8 inch in diameter, or larger bits that are 1/2 inch or more in diameter. Make sure the bits you use are coated with carbide or diamond; this information is usually visible on the package. You can also use hole saw bits to drill into stucco.

German schmear is a durable brick masonry coating. It should last at least a decade or two without flaking or fading, even with minimal maintenance. This makes it an economical option compared to the cost of painting your house exterior, which usually needs to be repainted every five to 10 years to keep it looking its best—thus costing more over the same time period.