Written by Peter Byer

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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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

What is Coinsurance in a Homeowners’ Policy?

What is Coinsurance in a Homeowners’ Policy?

If a storm or fire damages a home, the homeowner will file an insurance claim with his homeowners’ insurance company. An adjuster comes to inspect the damaged real estate. Later the insurance company confirms the amount of the loss. However, the company tells the homeowner that the claim payment will be reduced by a coinsurance penalty. The homeowner asks himself: what is coinsurance in a homeowners’ policy?

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