Your gutters are your best defense against water damage to your home. But what do you do when they need repairing or replacing? One of the questions a lot of homeowners ask about is whether insurance will cover gutter costs in specific situations. So let’s dig into answers to some of those questions.
Will Homeowners Insurance Cover New Gutters?
Homeowners insurance usually covers damage from sudden and unintentional events, like storms or accidents. If your gutters are dented or torn by hail, wind or a downed tree, your policy might pay to repair or replace them. But damage from wear and tear or neglect is not covered. So for instance, if your gutters begin to deteriorate after years of neglect, the chances are you’ll have to pay for it upfront.
For example: A bad storm blows a tree limb down and crushes your gutters. In this situation, you would make a claim through your insurance company. But if your gutters are drooping from rust or age, insurance won’t cover it.
For more expert tips, visit Pro Angle Gutter Services.
Is Water Damage from Clogged Gutters Covered By Insurance?
Clogged gutters can cause major water damage, such as leaks, foundation problems, and even mold. Unfortunately most insurance policies will not cover damage from clogged gutters. Why? Insurers often categorize this as a maintenance issue in the homeowner’s domain.
If not you may find yourself with a hefty repair bill, so be sure to clean and maintain your gutters regularly. Routine clearing of debris coupled with installing gutter guards will help prevent clogs. If you’re experiencing water damage as a result of gutter problems, fix them quickly to avoid additional damage. Need expert help? Go to Gutters Colorado Springs Pro.
What Is the Average Cost For Gutter Repair?
Gutter repair prices depend on the extent of the damage and materials to use. For minor repairs, homeowners will typically spend anywhere from $150 to $500. For more extensive damage, such as a need to replace large sections or address structural issues, costs can exceed $1,000.
Here’s a breakdown of average gutter repair costs:
Minor Repairs: Repairing leaks or regluing disconnected sections: $150 – $300
Moderate Repairs: Section replacements or repairs and multiple leaks sealed: $300 - $700
Major Repairs: Gutter systems, structural damage: $1,000+
If you worry about repair costs, ask a reputable provider for a quote. To learn more about our Gutter Repair services, check out what we have to offer.
Does Your Insurance Cover Hail Damage to Gutters?
Hail can cause destruction to your home, and gutters are no different. The good news is that damage from hail is commonly covered by homeowner coverage, provided it is documented and reported in a timely manner. If your area experienced a hailstorm, check your gutters for dents, cracks or other signs of damage. Photos and a record of the storm’s date can bolster your insurance claim.
Keep in mind that policies differ, so check the details of your coverage. Policies also sometimes exclude hail damage or have higher deductibles for severe weather claims.
So if you are waiting out hail-damaged gutters, now is not the time to delay. Follow this up with professionals at Pro Angle Gutter Services for repairs and guidance.
Understanding Homeowner's Insurance for Gutter Repairs: Final Thoughts
When it comes to protecting your home and your wallet, knowing what your insurance covers is crucial. Although insurance will typically cover sudden and accidental damage to gutters, it’s unlikely to cover problems caused by neglect or lack of maintenance. To reduce issues, be sure to maintain your gutters and repair any damage to them in a timely manner.
For more details and trustworthy services, check out our Gutters Colorado Springs Pros.
