Does Homeowners Insurance Cover Damaged Gutters?

As a homeowner, you are responsible for maintaining the condition of your home and keeping it safe. Homeowners insurance is one way to help protect your investment. But what does homeowners insurance cover? In this post, V. Nanfito Roofing & Siding, Inc. explains if homeowners insurance includes damaged gutters in its coverage.

What is Homeowners Insurance?

Homeowners insurance is a type of property insurance that covers any damage to your home’s components and specific contents indoors, like electronics and appliances. Most mortgage lenders require homeowners to have this type of insurance.

Does Homeowners Insurance Cover Damaged Gutters?

It depends on what type of damage your gutters have sustained and what kind of homeowners insurance policy you have. Most policies will cover damage from severe weather, but they may not cover other types of damage like normal wear and tear or damage exacerbated by neglect or poor maintenance. It’s always a good idea to check your terms and conditions and clarify any confusion with your insurance company to see what is and isn’t covered under your policy.

How Do I File a Claim for Damaged Gutters?

Before anything, always have documentation that you had excellent gutters before the weather event. Insurance adjusters may point to the lack of maintenance as a factor of severe gutter damage.

If you need to file a claim for damaged gutters, the first step is to contact your insurance company and let them know what happened. They will likely send an adjuster to inspect the damage and determine how much your policy will cover. From there, they would recommend licensed contractors who can help repair your gutters.

Professional gutter repair and maintenance experts at V. Nanfito Roofing & Siding Inc. are ready to help with all your needs. We have over 57 years of experience in repairing and replacing gutters. Call us at (203) 639-1634 or fill out our contact form to get an estimate.