Types of Claims
Stucco Damage
Stucco Damage Claims
Over the last twenty five year, millions of single family homes were built using Exterior Insulation and Finish Systems(EIFS) most people call it stucco even though it’s a synthetic stucco.
Stucco looks great, is easy to install, has a great energy saving features and can be made to look like stone and other masonry finishes.
However, so many residential homes suffer from stucco damage because of faulty building practices. If fact, stucco damage is the leading cause for builder bankruptcies in America. With poor installation methods home’s develop water, mold and termite damage behind the stucco. Sometimes the damage is so extensive that the properties have to be condemned and torn down.
Stucco Damage Warning Signs
Staining - Damaged stucco experiences a staining cycle every time it rains. First, contaminants from the rainwater become absorbed into untreated stucco. The rain also washes even more contaminants down from the roof and windows, which further exacerbate the staining process. This cycle repeats every time it rains resulting in ugly deposits and eventual deterioration to your property.
Mold - The majority of stucco problems are related to excess water and moisture. And with excess water and moisture comes the danger of mold. Water trapped behind the stucco provides a fertile breeding ground for it. This can not only affect the health of your home, but your family as well. In order to combat it, the source must be discovered and the affected area must be removed and replaced. Then, a superior water management system must be installed.
Gaps around windows and doors - This is one of the most common areas associated with faulty building practices, and usually is overlooked during the construction of the property. This could either be the fault of the window installer or the stucco contractor. In many cases, these gaps are found to be the source of most stucco damage.
Understanding Stucco Damage Claims
Stucco damage claims are one of the most denied claims by insurance companies. Wet Rot is excluded in standard HO3 policies and also has exclusions from damage caused by insects. The policy also excludes damage caused by mold and mildew, commonly found where the water damage is. However, stucco is typically resistant to moderate weather conditions, elevated or severe storms can cause serious damage. The most common storm damage to stucco is dents and holes damaged by a severe windstorm. This type of damage is covered by most insurance policies but often it goes unnoticed by the untrained eye. Even though you might have one type of stucco damage that is not covered, we might be able to identify damage that is covered by your insurance company. Our stucco damage public adjusters are very good at identifying covered stucco damage, presenting a solid case to the insurance companies and getting homeowners the maximum settlement they are rightfully owed.
Get The Maximum Settlement You Deserve
One of our licensed public insurance adjusters will explain to you if and how you should proceed with your stucco damage. We will work hard to get you the maximum settlement you deserve in this complex recovery process.
Remember, no amount of damage is too small for us to come out and give you a free home inspection. Especially if you think it’s not worth it because of your deductible amount. Let one of our experienced licensed public insurance adjusters help you with that decision.
