There’s no hard and fast rule when it comes to fixing a damaged gutter system using insurance money. The general rule of thumb is that when it’s damaged, your general homeowner’s insurance usually covers some of the damage, unless certain circumstances led to its untimely disrepair. Some insurance policies don’t even cover gutters at all!
To guide you on the path of repair or replacement, here are several things you should know about insurance coverage on your gutters.
A homeowner’s insurance policy may either be “named perils” or “all risks.” The former lists certain circumstances where the insurance may kick in or activate, such as fire or water damage, while the latter covers you for anything that happens beyond your control, unless the company provides an exception. Most mortgage lenders, however, enforce an “all risks” policy for new homeowners as it’s in their best interests to protect your home as much as possible.
If your policy has all-risk coverage, there’s a good chance your gutters may be covered by the same policy. Most insurance companies will pay for gutters that were broken due to circumstances beyond your control, including (but not limited to):
- Storm damage (wind and/or hail)
- Ice and snow
- Falling objects (trees, telephone poles, etc.)
Note, however, that a separate policy for flooding is available; it’s also recommended if your house is situated in a flood plain or a former swamp.
In addition, certain areas have exclusions, even on their all-risk policies. Some states in the Midwest that are on the path of tornadoes or those in the South that are on the Hurricane Belt may exempt wind damage.
Why You Should Maintain Your Gutters
Given that not all policies include gutters in their coverage, it’s a good idea to maintain your gutters as religiously as you can. While replacing your gutters isn’t as expensive as replacing your roof, a roofing system without gutters will be ruined sooner rather than later as the moisture will find its way into it and damage it from within. This leads to more expenses down the line.
Plus, even if the gutters are covered, there’s such a thing as negligence. If the insurer finds out that the gutters have been damaged because of your lack of maintenance, they might refuse your claim entirely.
Apex Roofing & Restoration can assist you with your insurance claims. Call us today at (919) 569-5000, or fill out our contact form to get started.