Long-Term Performance of Thermal Insulating Composite Systems Based on Water Resistance and Surface Multifunctionality

External Thermal Insulation Composite Systems (ETICSs) are increasingly applied in both new construction and energy retrofitting, where long-term durability under environmental exposure is critical to preserving thermal efficiency. Moisture ingress represents a key degradation factor, reducing insulation performance and undermining energy savings promoted by the ETICS. The effectiveness of these systems is strongly influenced by surface protection, which also reflects aesthetic and biological resistance. This study investigates the influence of three commercial protective surface coatings, characterized by hydrophobicity, photocatalytic activity, and resistance to biological growth, on ETICS finishes based on acrylic, natural hydraulic lime (NHL), and silicate binders. An artificial aging protocol was employed to evaluate coating stability and compatibility with the finishing layers. Results show that acrylic-based finishes provided superior durability and protection, while coatings on NHL and silicate substrates exhibited lower performance. Notably, a TiO2 enriched photocatalytic coating, despite improved self-cleaning potential, demonstrated the least durability. The findings highlight that optimal ETICS protection requires coatings that combine low water absorption, effective drying, and biological resistance, thereby ensuring sustained thermal and energy performance over time.