Does Homeowners Insurance Covers Damaged Gutters?

If your home’s gutters are damaged, you may be wondering if your homeowner’s insurance will cover the repairs. In this blog, we explain the coverage of homeowners insurance, how to file a claim, and what to do next after claiming your insurance.

Does Homeowners Insurance Cover Damaged Gutters?

In most cases, damage to gutters is considered to be caused by wind or hail and is therefore covered by most standard homeowners insurance policies. However, there are some things you need to know before filing a claim.

For example, if your gutters are damaged due to neglect (such as not cleaning them regularly), your insurance company may deny the claim. 

Additionally, if only a portion of your gutters is damaged, your insurer may only cover the cost of repairing or replacing that section rather than the entire system.

How to File a Claim for Damaged Gutters

If you need to file a claim for damage to your gutters, follow these steps for a quick settlement:

  1. The first thing you should do is take photos of the damage. This will help support your claim. 
  2. Contact your insurance company and let them know what happened. They will likely send an adjuster out to assess the damage and determine how much they will cover.
  3. Get a professional roofing contractor to assist you with the assessment of the damage. Unlike typical adjusters, roofers won’t miss crucial details that can make or break your claim.

Once you’ve filed your claim and it has been approved, you can start repairing or replacing your gutters. Before hiring a roofing professional, be sure to get multiple estimates and check references. 

Finally, keep in mind that most insurance policies have a deductible that you will be responsible for paying before the insurer will cover any costs.

Call Howard Roofing & Home Improvements Today!

If you’re in need of gutter repair or replacement, be sure to call Howard Roofing & Home Improvements. We offer free estimates on all our work, and our team of experienced professionals can get the job done quickly and efficiently. Call us at (636) 296-1057 or complete our online form to schedule a consultation.