Does Your Homeowners’ Insurance Cover Gutter Damage? Here’s What You Need to Know

dirty gutter

Gutters are a part of your home’s drainage system. When things go wrong with your gutters, leaks and water damage can result. It’s important to fix gutter damage as soon as possible.

In some cases, you may be able to tap into your home insurance for repairs or gutter replacement. Knowing when to call your insurance company about gutter damage can help you move forward when a problem occurs.

Understanding Insurance Coverage for Gutters

Gutters are part of your home’s structure and are often included in homeowners’ insurance coverage. Coverage typically applies if the damage is caused by a covered peril (e.g., storms, hail, fire, falling trees). What is covered by home insurance varies from one policy to another, but you can find out by reading your home insurance policy.

Causes of Gutter Damage Usually Covered

Here are some common causes of gutter damage:

  • Severe storms: A severe storm that causes gutters to sag or break free from your home may be covered by home insurance.
  • Hail: Impact from hail may cause dents or breakage on your gutters.
  • Heavy snow and ice: Snow or ice buildup can cause structural strain and may also cause damage to your gutters.
  • Falling trees and branches: Trees or branches that fall onto your roof may damage your gutter system.

Exclusions and Limitations

There are limitations to what home insurance will cover when a home is damaged.

  • Wear and tear from age is generally not covered.
  • Damage from poor or neglected maintenance is excluded.
  • Intentional damage will not be covered.

How to File a Claim for Gutter Damage

To file a claim for damage to your gutters, start by contacting your insurance company. Your insurance agent can help you with this process.

Two things to know before filing your claim:

  • Deductible: The deductible is the amount you must pay before insurance covers the remaining cost. If the damage to your gutters is less than your deductible, you do not need to file a claim.
  • Coverage limits: The coverage limits for your structure indicate the maximum amount the insurer will pay. This information can be found on your insurance policy.

Both of these factors directly impact the reimbursement you’ll receive for gutter repairs or replacement.

Take Care Of Your Home’s Gutters With United Window Cleaning

Without functioning gutters, your home may experience water damage in a variety of ways, including around the foundation, in the attic, and in the walls. If your gutters are damaged, it’s important to get them repaired as soon as possible.

If your home insurance company can prove that your gutters were not properly maintained, they may deny your claim based on wear and tear. Taking care of your home’s gutters can prevent maintenance-related claim denials.

United Window Cleaning offers gutter cleaning services to help customers maintain their gutters. To make an appointment for gutter cleaning in the greater Cincinnati area, contact United Window Cleaning today.