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Does Homeowner’s Insurance Cover Damaged Gutters?

Does Homeowner's Insurance Cover Damaged Gutters

Gutters are essential components of your house as they are responsible for safely diverting rainwater away from your roof and your home’s support structures. However, there are times when they may become damaged, especially during extreme weather. When this happens, you might think of using your homeowner’s insurance to cover the repair expenses. However, certain conditions must be met — that is to say, not all types of gutter damage will be covered by your policy. 

Does Homeowner's Insurance Cover Damaged Gutters?

Local gutter company Advantage Seamless Gutters shares more information in this post.

What You Should Know

Most insurance policies are all-risk, meaning they can cover any risk that is not specifically excluded in the contract. The term is a little tricky because there are actually several types of damage that homeowner’s insurance does not cover, such as flood, earthquakes or acts of war. Make sure to review your policy or consult your insurance agent to know the specifics of your contract.

Homeowner’s Insurance Exclusions

Before calling a gutters replacement service provider, you must have a good understanding of what can be covered by your homeowner’s insurance. When it comes to gutters, you can expect these particular exclusions:

  • Wear and tear – Damage to your gutters due to natural wear is not covered by homeowner’s insurance. Gutters have an expected service life. If your gutters are nearing the end of their life span and are starting to break down, they won’t be covered.
  • Negligence – Gutters need to be regularly cleaned and maintained to keep them functional. If you have failed to maintain them, then your insurer will deny your claim.

Keep your gutters in good shape with the help of Advantage Seamless Gutters. We are local gutter installers who focus on providing excellent workmanship. To request a quote, fill out our contact form or call us at (218) 270-2663. We serve clients in Baxter and Brainerd, MN.