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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.

Homeowners insurance generally won’t cover stucco damage unless it’s caused by a covered event like a storm or fire. You’ll need to pay out of pocket for damage caused by age, wear and tear, lack of maintenance, or faulty installation. Consult your policy for the specifics of what stucco damage is covered and what isn’t.

It’s not advisable to use CLR on stucco. CLR is a powerful acidic cleaner designed for removing tough mineral stains. Stucco is a porous material commonly made of cement, lime, and sand. The acidic nature of CLR can potentially damage or etch the stucco surface, leading to discoloration or deterioration. 

It is best to use cleaning solutions specifically formulated for stucco or mild household cleaners mixed with water to clean stucco siding. Always test any cleaning product in a small, inconspicuous area before applying it to the entire stucco surface.

The decision to repair or replace stucco depends on the extent of the damage. For minor issues like small cracks, holes, dirt, stains, or discoloration, a repair is typically sufficient and more cost-effective. These issues can often be resolved with a simple repair, a deep clean, and possibly a new coat of paint. However, for more significant problems such as large cracks, peeling, mold, algae, or structural water damage, a replacement might be necessary. In these cases, it is best to call a professional stucco contractor for an inspection. An expert can assess the severity of the damage, determine if there are deeper issues, and advise whether a repair is adequate or if replacing a section or an entire wall is the more cost-effective, long-term solution.