Retrofit Insert or Full Frame Replacement in a Stucco Wall

Most people pick the option that looks simpler and never check the frame behind it. For window replacement on a stucco house in San Bernardino, the choice between an insert and a full frame is made by what is inside the wall, and san bernardino replacement windows earth liberation front sets the order of those checks. Homes in Verdemont and Del Rosa are good examples.
How a retrofit insert works

A retrofit insert slides into the existing frame after the old sash is removed. The stucco stays untouched, and the opening gets smaller by the thickness of the new frame, usually an inch or so of lost glass. The job is quick and leaves the exterior finish intact, but it depends entirely on the old frame being straight, sound and sealed.
What a full frame job involves

Full frame replacement removes the old window completely, down to the rough opening. With a nail fin window, the fin lays against the sheathing and the stucco is cut back and patched around it. That takes longer and needs a stucco patch that matches, but it allows new flashing and a fresh sill pan to be installed.
Reading the existing frame
Press a screwdriver into the frame at the sill. Soft or crumbling wood means rot, and rot ends the insert idea. Aluminum frames with a bent leg or an open corner will not hold an insert square. A frame that has stayed dry and plumb for decades is a decent host for a vinyl window insert.
Flashing and the sill pan
Stucco homes leak at the window more than at any other spot, because water that gets behind the finish runs down to the sill. A sill pan, a flat flashed tray under the window, sends that water back out. Inserts cannot add one. When the old sill shows staining, bubbling paint or a damp smell, full frame work is the sound route.
Glass size and light
An insert reduces glass area slightly on every side. On a picture window that loss is barely visible. On a small slider or a double hung over a sink, a loss of an inch each way is noticeable. Full frame jobs can also change the window size or style when the opening allows it.
Matching the choice to the house
Newer stucco homes built with nail fin windows often suit full frame replacement. Older ones with aluminum slider frames may take inserts well when the frames are sound. A walk around the house with a moisture meter and a flashlight settles most of these questions in an hour.