Stucco & Water Intrusion Insurance Claims

Stucco.  Water Intrusion.  Remediation. 

The buzzword of the late 1990’s, early 2000’s building boom was Stucco.  Everyone wanted a 4 bedroom, 2+ bath stucco home.  The style was more contemporary and the trend continued on.

However, what we’ve found out about over the years is that stucco buildings have issues. Stucco failure occurs because it is improperly installed, not sealed properly, is poorly made, or there is no drainage. This could cause water intrusion, and worse, mold.

Call a Public Adjuster for Water Intrusion Claims

That’s where a public insurance adjuster comes in.  For Stucco & Water Intrusion Insurance Claims, Clarke & Cohen gets involved as soon as possible.  This way we can manage the claim from the very early stages.

The first thing we see in a stucco claim is some kind of water intrusion in the home. This can happen anywhere in the home, but it is mostly seen around windows, doors, or other openings. Once homeowners see this water intrusion, they will typically call a stucco remediation company and get a stucco report to see where exactly the stucco is failing.

If the stucco is failing because of wear and tear, or it’s failing due to faulty installation, the stucco itself is not going to be covered by insurance.

Damage from Water Intrusion

However, any damage to the interior of the home, insulation, drywall, wall coverings, flooring, cabinetry, etc., due to water intrusion…will be covered as ensuing water damage. Claims filed with the insurance company are with the understanding that the exterior of the home is not going to be paid for, but the interior damage should be covered.

Clarke & Cohen uses a professional building consultant to meet with the insurance company’s consultant. Our consultant estimates the amount of interior damage. Stucco claims are very difficult as they depend on which insurance company a homeowner uses;  some companies are easier than others to go through the process.

Ultimately,  if our public adjusters are involved from the very beginning of the process AND there is visible interior damage on the inside of the home, we are typically successful in recovering money from the insurance company.

Each scenario is unique depending on the damage associated with a stucco claim and the coverage of the insurance policy.

Contact Clarke & Cohen today at with your stucco or water intrusion claim questions.