The gutter system on a home prevents water damage to the structure by draining rain from the roof and directing it away from the foundation. The design of the gutter system allows water to be directed away from the siding, as well. Over time, the gutter system may become damaged. This could be due to wind, fallen branches, or age. The question is, are damaged gutters covered by homeowner’s insurance?
It Depends on the Situation
Homeowner’s insurance will cover damaged gutters under certain circumstances. If the gutter system has been detrimentally impacted as a result of hail, wind, or falling objects, it is likely that it will be covered by the insurance. It is important to understand that some insurance companies will actually exclude certain types of damage when it comes to your gutter system. Due to this, check the policy that you have to understand the specifics in terms of gutter damage coverage, repairs, and/or replacements.
Extenuating Circumstances Considered
When it comes to your gutter system being covered by homeowner’s insurance, it is important to understand that the company will consider extenuating circumstances. Ultimately, the cause of the damage is first considered. Yes, wind, hail, and falling items typically result in damaged gutters being covered; however, neglect and damage due to animal activities are typically not covered. In addition to this, extremely old gutter systems may not be covered in your policy.
Exclusions for Gutter Damage
Most homeowner’s insurance policies include exclusions for gutter damage. In most instances, the following are outlined as exclusions:
- Flooding
- Structural Problems
- Acts of Vandalism
- Maliciousness
- Older Gutter Systems
The First Steps
If your gutters become damaged, you should start by assessing that damage. You will need to determine if a repair may be done or if the system must be replaced. You should take pictures of the damage and then file an insurance claim with your homeowner’s insurance. To make it easy for you, take the following steps:
- Take pictures of the damaged gutters
- Have the gutters repaired or replaced
- Take pictures of the gutter system once repaired or replaced
- Keep all invoices and receipts related to the repair or replacement
Gutter Damage Prevention
Once your gutter system is repaired or replaced, you should strive to ensure that you prevent damage in the future. At the minimum, you should have your gutter system inspected at least once a year and professionally cleaned at least twice a year. Each time there is a storm and winds, inspect the gutter system afterwards to determine if any damage has been done. If you live in an area that is known for snow and ice, have it removed immediately to ensure no gutter damage occurs.
Contact Us
For optimal gutter health, you should have a gutter system installed that includes guards or covers. These are anchored on your home and include reinforced support systems. The anchoring system will aid in the stability of the system and the cover or guard will prevent clogs. To learn more, contact us here at Southern Industries Home Improvements today at (833) 240-4900