What Is Stucco Damage And Does Homeowners' Insurance Cover It?

Insurance Claims Due to Poor Stucco Installation

Stucco is a common exterior material for new constructions, residences, and businesses. Stucco has been utilized since the early twentieth century. It is manufactured from cement, limestone, and silica. Its popularity has skyrocketed during the past two decades. However, improper installation can result in various issues. Therefore, some homeowners will need to file insurance claims for improperly put stucco.

The Drawback of Stucco

When properly installed, stucco is certainly aesthetically beautiful. Moreover, it is less expensive to install than several other forms of building siding.

Finally, it serves as insulation. In reality, it keeps the building's air cold during the summer. During the winter, it also keeps cold air outside.

Despite this, some builders put the stucco badly. Consequently, the homeowner may encounter a variety of stucco damage issues:

Water Damage

Stucco is an extremely porous substance. Consequently, it draws moisture from the air. Therefore, if the contractor improperly installed the stucco, the plywood it was put on would rot. Consequently, the retained moisture might potentially cause harm to other portions of the residence.

Mildew and Mold

Wherever there is water in a home, mold and mildew will grow. As a result of the stucco's ability to retain moisture, mold and mildew may develop. They can cause harm to the walls and ceilings.

In addition, mold spores pose a health risk.

Pestilence and Insect Invasion

Unfortunately, pest and bug infestations can result from damp, wet interior walls and poorly built stucco fissures.

Stucco Remediation

Lastly, stucco homes with application issues are subject to substantial rehabilitation. For example, stucco will need to be removed. Any wood damaged by water must be removed and replaced.

Additionally, mold and mildew areas must be cleaned, disinfected, and dried.

Stucco repairs will involve the installation of new siding to replace the damaged stucco.

Poorly Installed Stucco Insurance Claims - Does Homeowner's Insurance Cover Stucco Damage?

In the end, the answer is dependent.

Who installed the system?

Initially, Exterior Insulation and Finish System is a prevalent sort of stucco (EIFS). EIFS is a sort of synthetic stucco. Second, it must be installed by a qualified, expert installation business. Therefore, if the installer was not qualified and certified to install EIFS, your homeowner's insurance provider will likely deny your claim.

Alternatively, the insurance company would likely fund the claim for stucco damage if the stucco installer were a licensed professional.

When was the stucco put in place?

This makes a significant difference. For example, the insurance company will likely refuse the claim if stucco was installed before you purchased the home. In addition, if the stucco showed symptoms of the damage, the insurer would deny coverage. In fact, the insurer would consider any stucco issues "pre-existing conditions" and deny coverage.

In contrast, a licensed expert may have installed the stucco. However, the business would most certainly pay for stucco damage if you already have homeowner's insurance.

Can You still receive compensation if coverage is denied?

The answer to that question is perhaps.

For example, suppose you had stucco installed. However, if the contractor performed poorly, he or she may be accountable for your damages.

Consequently, you may be entitled to reimbursement for your damages.

Alternatively, if the stucco was installed before you purchased the home, you would need to identify the entity responsible for the installation. However, if that corporation has ceased operations, then that would make matters more difficult.

Does homeowner's insurance cover damage to stucco?

Call an experienced insurance lawyer if improperly placed stucco causes water damage to your home. It is difficult to file homeowner's insurance claims for badly built stucco. In addition, the claims process for stucco damage claims can disappoint the majority of homeowners. Since homeowner's insurance only covers certain forms of stucco damage, an experienced insurance attorney can assist you.

Ultimately, the company may not pay for property damage caused by improper stucco installation. That's why you get a highly skilled attorney from the start.