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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.

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.

Properly maintained stucco can enhance insulation, reducing energy loss.

Stucco is very challenging to DIY, so it’s always best to leave the work to professional stucco contractors. The same recommendation applies to painting a stucco house, which should be left in the reliable hands of a professional exterior painter. Inexperienced DIYers can make several critical mistakes during stucco application, such as:

  • Failing to apply sufficiently thick layers for longevity and water resistance

  • Uneven application

  • Uneven texture across the exterior

  • Mixing the stucco improperly, leaving a weak structure

  • Failing to texture properly in between coats, leading to cracking and chipping

Repaired stucco requires regular inspections, cleaning to prevent mold or mildew build-up, and timely minor repairs to address hairline cracks. Applying protective sealants can also enhance longevity and maintain its appearance.

The Wiley Ford, WV homeowners’ guide to stucco services

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