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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.

Stucco repair can best be described as a patch. It involves identifying the problem and fixing that specific damage with additional stucco. If no mold infiltration or an underlying leak is causing the damage, repair is most likely all you need. 

Remediation, on the other hand, involves removing the existing siding, fixing the underlying cause of the damage, and then reapplying stucco siding for that wall. It’s a more permanent fix that takes longer to complete and, hence, comes with a steeper price tag than repair.

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 cost to replace the chimney crown or top is about $1,550 on average. The range varies widely depending on the size of the chimney, the materials used, accessibility, and the extent of the damage. If you suspect a problem with your chimney top, call a professional masonry contractor for an inspection.