Is Stucco To The Walls On Frame Houses Covered By Insurance If Mold?

Are you a homeowner with stucco walls on your frame house? You may think that the sturdy and durable material would protect your home from mold damage. However, accidents can happen, and sometimes even stucco walls need extra protection.

So, if you’re wondering whether insurance covers mold damage to stuccoed walls on frame houses, we’ve got you covered! In this blog post, we’ll explore everything you need to know about this topic so that you can ensure your home is protected in case of any unfortunate incidents.

What is the difference between stucco and plaster?

There are a few key differences between stucco and plaster that you should be aware of. For starters, stucco is made from Portland cement, whereas plaster is traditionally made from lime putty or gypsum.

This means that stucco is much more resistant to water damage than plaster. Additionally, stucco is typically applied in three coats as opposed to the one or two coats used for plaster. Finally, stucco is textured, while plaster has a smooth finish.

Stucco vs. brick

There is a big debate in the home improvement world over which exterior finish is better: stucco or brick. Each has its own set of pros and cons, so it really depends on your specific needs and preferences. Here is a brief comparison of stucco and brick:


– Often less expensive than brick
– Easy to apply
– Can be textured or smooth
– Comes in many colors
– Can be repaired relatively easily


– More expensive than stucco upfront
– Must be installed by a professional
– Very durable and long lasting
– Requires little maintenance

How long does stucco last?

Stucco is a cementitious material, which means it is made of Portland cement, water, and sand. It can also contain lime, fiberglass, and other additives. Stucco is applied to the exterior of homes as a decorative finish. It is also used on commercial buildings and structures.

Stucco is a durable material that can last for many years if it is properly maintained. However, stucco can crack and chip over time, especially if it is exposed to severe weather conditions. If you live in an area with severe weather conditions, it is important to inspect your stucco regularly for any damage.

If you do find damage to your stucco, it is important to have it repaired as soon as possible to prevent further damage. When repairing stucco, it is important to use a mix that matches the original mix used on your home. This will ensure that the repair looks seamless and lasts for many years.

Is stucco to the walls on frame houses covered by insurance if mold?

If you have stucco on the walls of your frame house and it becomes moldy, you may be wondering if your insurance will cover the cost of repairing or replacing it. The answer to this question depends on a few factors, including the cause of the mold and the terms of your insurance policy.

If the mold is caused by a covered event, such as a burst pipe or severe weather, then your insurance should cover the cost of repairs. However, if the mold is due to a maintenance issue, such as improper ventilation or excessive moisture, you may be responsible for the cost of repairs. Be sure to check your policy carefully to see what is covered.

Even if your insurance does cover the cost of repairs, there may be some limitations. For example, most policies have a maximum amount they will pay for mold damage. If the cost of repairs exceeds this amount, you will be responsible for paying the difference.

If you have any questions about whether your insurance will cover mold damage to your stucco walls, be sure to contact your agent or insurer for more information.

How do you remove mold from stucco?

Mold can be removed from stucco by scrubbing it with a brush and soapy water. You can also use a pressure washer to remove mold from stucco.

How do you repair stucco?

If your stucco walls are covered in mold, you will likely need to repair them. The first step is to remove all the moldy stucco from the wall. This can be done with a putty knife or chisel. Once all the moldy stucco has been removed, the area should be cleaned with a bleach solution.

After the area has been cleaned, new stucco can be applied to the wall. To apply new stucco, a base coat and top coat must be applied. The base coat is typically made of cement mixed with water. The top coat is usually made of sand and cement mixed with water. Once the new stucco has been applied, it should be allowed to dry for at least 24 hours before being painted or sealed.


Stucco is a great option for homeowners who are looking to protect their walls from mold and other water damage. However, it’s important to note that standard home insurance policies may not cover the stucco if there is any kind of mold or water damage present.

 It’s always best to consult your insurance provider before making any decisions about stucco installation to make sure you have the coverage in place should something happen. With all this information in mind, we hope you feel more equipped when it comes time to make a decision on whether or not stuccoing your frame house is right for you.