Functional gutters are crucial for any home’s health and good maintenance. They protect the roof, the siding, even the foundation from water damage and other risks. But like anything else, gutters need regular repairs, repairs in the case of damage, and even replacements. But these costs can add up. Will your insurance policy help?
Before we take a closer look at this question, it’s important to note that all policies differ and you should bring any specific questions about your own coverage to your insurance provider. That said, there are some generally true things that might be helpful in giving you an idea about what to expect.
Repairs Due to Damage and Acts of God
If you need your gutters to be repaired because of damage from an act of god, such as hurricane-force winds, falling tree branches, or other hazards, it’s likely that your homeowners insurance policy will cover at least of the repair costs.
Check your policy to see if you have a “named perils” or “all risks” policy. The former will offer coverage only for a predetermined list of events, whereas the latter covers much more.
Coverage for Ice Dams
Ice dams are formed when gutters are clogged with snow or ice, which begins to accumulate and force itself into the roof. This leads to damage to the roof, as well as other parts of the house. Ice dams are often covered by homeowners’ insurance policies. Your insurance provider may expect you to minimize the risk of ice dams forming though, and best practice as a homeowner is to keep gutters clear to avoid dams. Heated gutters are also an option.
Unfortunately, you shouldn’t expect your homeowners insurance policy to cover routine maintenance or gutter cleanings. This is your responsibility and the homeowner.
Get an Estimate Before Making a Claim
If you need gutter repairs due to damage or ice dams, and think your insurance policy should cover it, the first thing to do is go get in touch with your insurance provider immediately. Then, call a licensed gutter contractor for a cost of service estimate. This cost will be used the insurance company to know home much to cover.
If you’re in Connecticut, contact CT Gutter for a gutter service estimate.
If you want more information about your spec ific homeowners policy and what it covers in relation to gutter or other repairs, contact your insurance provider immediately. They will be able to give you all the details of your policy. If you aren’t happy with what’s covered, or think your rate doesn’t reflect the level of coverage, you may consider shopping around for a better homeowners insurance policy.