Gutters are an essential part of your home’s exterior, helping to protect it from water damage. When they become damaged or clogged with debris, they can cause various problems that require costly repairs. If you need to replace your gutters due to damage caused by storms or other events, the question arises as to whether homeowners insurance will cover the cost.
In this blog post, local residential and commercial roofing contractor Hinkle Roofing explores the types of gutter damage typically covered by homeowners insurance. We also discuss why replacing damaged gutters with new ones makes sense even if the policy does not provide coverage.
What Is Homeowners Insurance?
Homeowners insurance is a type of insurance policy designed to protect homeowners from financial losses due to events on their property. The types of events covered include fires, storms, vandalism, and other unexpected occurrences. It also covers liability claims if someone gets injured while on your property.
Damage to Gutters and Insurance Coverage
When it comes to damaged gutters, homeowners insurance may cover the cost of repairing or replacing them if an event protected by your policy causes the damage. If you’re unsure as to the events covered under your policy, consider contacting your insurance company for clarification.
Types of Damage Covered by Insurance
The types of damage typically covered by homeowners insurance include fire, hail, wind, and vandalism. Your insurance policy may also cover other types of damage depending on your policy’s specific details. For example, if you have an extended policy that covers sewer backups or water damage caused by burst pipes, you could also include these issues in coverage for damaged gutters.
Find a Roofer Who Offers a Warranty
Reliable professional roofing companies usually offer warranties on the products they install, providing you with additional peace of mind. If you need to replace your damaged gutters, here are a few tips when hiring a professional roofer:
- Check customer reviews online.
- Ask for references from friends.
- Inquire about any warranties they offer.
Benefits of Replacing Damaged Gutters
Replacing damaged gutters with new ones can help to prevent water damage and other problems that can occur in case your gutters don’t function correctly. Newer materials and installation methods also mean improved protection against future storms or other events that could cause further home damage.
Hinkle Roofing is a reliable, experienced roofing company that can help you with your gutter replacement needs. We offer a variety of gutter options to choose from and warranties on all of our products and installations. We also provide residential and commercial roofing services. Contact us at (205) 324-8545 for a free quote! You can also reach us online and we’ll get back to you.
