Gutters protect various parts of your home from extensive water damage. They prevent roofing issues, basement flooding, foundation damage and erosion. When they develop damage, you could face serious and expensive consequences. Often, homeowners facing gutter issues ask if their insurance provider will cover repair costs. Read on to learn the answer to this frequently asked query.
What Usually Causes Gutter Damage?
Storms and harsh weather are the most common culprits behind gutter problems. Windborne debris can also cause significant harm to a gutter system. Poor maintenance can increase the likelihood of clogs and damage. If the damage on your gutters is due to neglect, your insurance provider might not approve your claim since it’s the homeowner’s responsibility to maintain their property.
Does Homeowners Insurance Cover This Issue?
Most standard homeowner insurance policies cover gutters under the dwelling protection clause, which caters to your home’s structure. This means your insurance covers damage to your gutters caused by covered perils like storms, hail, and occasionally, the weight of snow or ice. However, you must still carefully review your policy to learn what it does and doesn’t cover. You can also verify this information from your insurance agent.
What Can You Do to Protect Your Gutters?
Cleaning at least twice a year can help keep your gutters in good shape. Trimming nearby trees and investing in a gutter protection system can lessen maintenance efforts. Routine inspections and prompt repairs are also vital to their longevity.
Are your gutters in poor condition? Don’t wait long before contacting professionals. Turn to Roof Masters for expert gutter replacement services. You can always rely on us for high-quality materials and excellent craftsmanship. Call us at (301) 230-7663 or complete our online form to request an estimate. We work with clients in Beltsville, MD, and surrounding areas.
