Your gutter system is a vital component that protects your home from water damage. So when it gets broken or becomes ineffective at keeping water away, you must call in the pros to address the problem immediately.
You might be wondering if you can use your homeowners insurance to cover the expenses. To help you get an idea before filing a claim, we discuss in this article the factors that determine whether your insurance will pay for gutter repair.
Factors That Determine Insurance Coverage
As a homeowner, it’s essential to understand the factors that determine whether your insurance will cover gutter damage. These factors can include the age and condition of your gutters, the cause of the damage, and the specific terms and exclusions of your insurance policy. Knowing these details can save you from unpleasant surprises when filing a claim.
Common Causes of Gutter Damage
Some common causes of gutter damage are covered by homeowners insurance. Severe weather events, such as hailstorms, high winds, and heavy snow or ice, can all lead to damage that may be covered under your policy. Additionally, falling trees or branches and fire damage are typically considered covered perils. However, it’s important to note that coverage can vary depending on your specific policy, so it’s best to consult your insurance agent for clarification.
Types of Gutter Damage Not Typically Covered By Insurance
On the other hand, certain causes of gutter damage are typically not covered by insurance. General wear and tear, lack of maintenance, and improper installation are all examples of issues that homeowners are usually responsible for handling on their own. To avoid such situations, it’s crucial to keep up with regular gutter maintenance and ensure your gutters are properly installed.
Steps to Take When Filing a Gutter Damage Claim
When you need to file a claim for damaged gutters, be sure to document the damage thoroughly with photos and descriptions. Contact your insurance company promptly and provide them with the necessary information. It’s also crucial to obtain estimates for repair or replacement from professional contractors as this can help support your claim.
Hire the Right Professionals
Hiring experts in gutter repair and installation is essential to ensure quality workmanship. Patriot Roofing LLC offers reliable gutter installation and repair services. We can also help you with roof repair and insurance claims.
To ensure the best roofing and gutter services, call our experts at (405) 217-0473. You can also fill out our online form to schedule a consultation.
