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Written by Andy Gurczak

May 10, 2022

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Of course, stucco is a popular siding used on new developments, homes and businesses. Indeed, stucco has been used since the early 1900s. Manufacturers make it of cement, limestone and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

The Problem with Stucco

Of course, stucco, when properly installed, is aesthetically pleasing. Also, it is cheaper to install than many other types of building siding.

Lastly, it acts as insulation. In fact, it keeps cool air in the building in the summer. Conversely, it also keeps cold air outside in the winter.

Notwithstanding that, some contractors improperly installed the stucco. As a result, the homeowner may experience several problems with stucco damages:

Water damage

Stucco is a very porous material. Therefore, it sucks moisture from the air. Consequently, if the contractor did not properly install the stucco, the plywood to which the stucco is applied will rot. As a result, the trapped moisture can also damage other areas of the home.

Mold and mildew

Wherever there is water in a home, there’s mold and mildew. Consequently, as the stucco traps moisture, mold and mildew may appear. In fact, they can damage the walls and ceilings.

Additionally, mold spores are a health hazard.

Pest and insect infestation

Unfortunately, moldy, wet interior walls and cracks in the poorly installed stucco can cause pest and insect infestation.

Stucco remediation

Lastly, stucco homes that have problems with the stucco application face extensive remediation. For instance, the stucco will have to be removed. Of course, any water-damaged wood will have to be removed and replaced.

Additionally, if there is mold and mildew, those areas will have to be cleaned, disinfected and dried.

Of course, stucco repairs will include new siding to replace the defective stucco.

Insurance Claims for Poorly Installed Stucco-Does Homeowner Insurance Cover Stucco Damage?

Ultimately, the answer is-it depends.

Who was the installer?

First off, a common type of stucco is Exterior Insulation and Finish System (EIFS). EIFS is a synthetic type of stucco. Second, it is supposed to be installed by a licensed, professional installation company.

Consequently, if the installer was not a licensed and certified EIFS installer, the home insurance company will probably deny your claim.

On the other hand, if the installer was a licensed professional, the insurance company would likely cover the stucco damage claim.

When was the stucco installed?

Of course, this makes a big difference. For instance, if stucco was installed before you bought the house, the home insurance company will most likely deny the claim. Also, if there were signs of stucco damage, the carrier would deny coverage. In fact, the carrier would consider any stucco problem a “pre-existing condition” and deny coverage.

Conversely, a licensed professional may have installed the stucco. However, if you already had home insurance coverage, the company would likely cover a stucco damage claim.

Can You Still Receive Compensation If the Carrier Denies Coverage?

In fact, the answer to that question is-maybe.

For instance, let’s say you had the stucco installed. However, if the contractor did a poor job, the contractor could be held liable for your damages.

Therefore, you could receive compensation for your damages.

On the other hand, if the stucco was installed before you bought the house, you would have to find out which company did the installation. However, if that company is no longer in business….

In Short, If You Need a Public Adjuster for a Poorly Installed Stucco Claim, Call AllCity Adjusting

To sum up, we are a family-owned claims company with five decades of combined adjusting experience. As a result, we know how to fight to get property owners the money they deserve from insurance companies.

Does Homeowners’ Insurance Cover Stucco Damages?

In the first place, if poorly installed stucco caused water damage in your home, call AllCity Adjusting. Indeed, filing homeowners’ insurance claims for poorly installed stucco is complicated. Moreover, the claims process for a stucco damage claim can frustrate most homeowners. Since homeowners’ insurance covers some types of stucco damage, but not others, AllCity Adjusting can help you out.

Ultimately, the company may not cover damaged property because of poorly installed stucco. In that event, we can act as your expert witness if you sue the builder or contractor who did the installation.

In conclusion, if you have received a low-ball offer from the insurance company, or they are taking too long to process your claim, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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