Stucco, paint and an appraisal following wind damage
Coverage Q&A: When do exclusions covering wind damage to exterior paint or waterproofing apply and do they include stucco?
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Question: Homeowners policy (HO2, wind only) has this exclusion: 14. Exterior paint or waterproofing coverage for any building or structure under this policy excludes loss caused by a peril insured against to paint or waterproofing material, including stain, applied to the exterior of the building or structure.
The appraisal award came back including damage to the stucco. Award lines included stucco patch and redash. Does the policy owe for these damages or not?
— Florida Subscriber
Answer: The items listed in this exclusion are ancillary items added as a protectant to the home’s normal construction. Stucco is a structural construction material, and redashing is applied to repair cracks and other damage.
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