Does Homeowners Insurance Cover Stucco Damage From Hurricanes?

Posted on November 15, 2022


Hayden Haskins | author

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ICHQ | Site Author

Stucco is a common building material throughout Louisiana, but the high winds and heavy rains caused by hurricanes can cause serious and costly damage. Unfortunately, there is no clear-cut answer to whether homeowners insurance covers stucco damage — instead, it depends on the kind of coverage you carry and the circumstances involved.

If a hurricane has damaged your home’s stucco, it’s time to consult with an experienced New Orleans homeowners insurance attorney.

About Stucco

Stucco is a kind of cladding for a home’s exterior that has been popular for over 100 years. Limestone, silica, and cement are combined to create a thin coating outside of homes and businesses that provide a decorative layer of protection and insulation.

While stucco can be very attractive and is reasonably priced, it’s a naturally porous product that can soak up a considerable amount of moisture – especially when installed incorrectly.

In Order for Your Damaged Stucco to Be Covered

In order for damage to your stucco to be covered by your homeowners’ insurance, the following requirements typically need to be met:

  • Your stucco was applied by a licensed contractor.
  • The damage to your stucco was not present when you purchased the insurance policy.
  • You can prove that your stucco has been damaged.

Storm-Damaged Stucco

Hurricanes’ high winds and fierce rain can damage stucco in various ways.

New Cracks

Hurricanes often lead to cracked stucco. Flying debris can create new cracks, and pounding rain can exacerbate minor cracks that have already taken shape.

Water Spots

Stucco is naturally porous, which means that it naturally absorbs some moisture that ultimately evaporates. If your stucco exhibits water spots long after the rain has stopped, it may not be draining properly – and it may be a result of hurricane damage

Impact Marks

When a severe storm peppers your home with hail, it can lead to circular impact marks that are distinct from other kinds of cracks. These hail marks can lead to cracking that radiates out from the center of the indentation and causes much more severe damage.

Discuss Your Claim with an Experienced New Orleans Homeowners Insurance Claims Attorney Today

If a hurricane leaves you with cracked or otherwise damaged stucco, the skilled New Orleans homeowners insurance claims attorneys at Insurance Claim HQ have the experience and keen legal knowledge to help. Learn more by contacting us today.

Homeowners Insurance FAQs

What if my homeowners’ insurance provider denies my stucco damage claim?

If your claim is denied, reach out for the professional legal guidance of an experienced homeowners insurance claims attorney.

What if I can’t afford an insurance claims attorney?

The good news is that most reputable homeowners insurance claims attorneys work on contingency, which means they don’t get paid unless their clients’ claims prevail.