Will Your Homeowner’s Insurance Cover Damaged Gutters?

Homeowner’s insurance policies often have an “all-risk” coverage. However, they usually do not cover damage from floods, earthquakes and acts of war. Furthermore, any damage resulting from neglect and natural wear and tear is excluded from the coverage. 

To give you an idea of when your insurance might cover gutter damage, keep reading.

Exclusions

Homeowner’s insurance coverage has certain exclusions, which are specified in the contract. As mentioned earlier, it usually does not cover gutters that failed due to natural wear or neglect. Review your policy terms to find the specific exclusions from your coverage.

Wear and Tear

Most homeowner’s insurance won’t cover damage from wear and tear. It will also likely exclude rusting and structural issues occurring due to aging. Be sure to know the age of your gutters before submitting an insurance claim.

Negligence

Homeowner’s insurance policies will likely exclude neglected gutters. As a homeowner, you are responsible for the upkeep of your gutters. Insurers may reject damage your claim if they find out the damage resulted from or was exacerbated by negligence. 

Ice and Snow

Some policies may cover gutters that sustained damage from ice and snow. However, insurers will expect you to do everything possible to minimize such damage. Not doing anything to protect your gutters may cause them to reject your claim.

Consult Professionals

Reputable roofers and gutter specialists can review your homeowner’s insurance policy. But to be sure you’re correctly interpreting your policy’s inclusions and exclusions, you must also talk to your insurance agent. Consider the agent’s advice before filing any claims. 

Hire only trusted roofing contractors to perform roof and gutter maintenance for you. Ben’s Construction Inc is a reliable and trustworthy roofing company with decades of experience and knowledge in the industry. To request a quote, call us at (508) 962-2417, or fill out this contact form.