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Will Homeowners Insurance Cover Gutter Damage?

October 2022
6 minutes read

Buying a house is a significant investment. Mortgage lenders require homeowners to buy an insurance policy to protect that investment. Thankfully, homeowner’s insurance will provide coverage for events that damage your home. If you’re wondering does home insurance cover gutters, read on.

Does Home Insurance Cover Gutters?

Homeowner’s insurance will sometimes pay to replace your gutters. You would think that since gutters are an essential part of your home, they would automatically be covered, but this is not always the case. You should install gutters below your roof to catch falling water and direct it away from your home.

If you haven’t replaced or repaired your gutters in more than a decade, homeowner’s insurance will not pay to have your gutters replaced. Most gutter problems are maintenance-related, and homeowners must regularly check and maintain their gutters. 

Gutters are essential for preventing water damage, and you must install them properly below the roof. Homeowner’s insurance will not pay to replace broken gutters if the damage is due to wear and tear.

Before you pay your insurance premium, it is crucial to determine which risks you are comfortable accepting. Homeowner’s insurance can be pretty specific regarding the insurance claims they will cover.

does home insurance cover gutters

Covered Peril

Your homeowner’s insurance pay for damages to your home if they occur during a covered event. You should ensure the named perils are listed in your insurance policy. Home insurance will repair damage to gutters caused by perils such as windstorms, lightning strikes, fire, hail, explosions, falling objects, ice, snow, and other events. Covered events are listed in your policy.

For example, if an ice storm has damaged your gutters, your insurance would cover new gutters or repairs. However, the damage would not be covered if your gutters have been damaged because they are clogged with leaves and falling objects such as twigs or small branches.

Exclusions

Insurers will not be responsible for any damages caused by events not listed in your policy. You can assume you will be paying the out-of-pocket expenses. Insurers will not pay to repair flood damage or earthquake damage, or damage due to acts of war, power outages, or neglect. Some policies will specify neglect in wear and tear exclusion. Fighting the insurance company is futile. If the event is not in your policy, you will lose the court case.

A wear and tear exclusion ensures the insurer is not responsible for damages caused by the homeowner’s failure to maintain, repair, or replace items on their home. Customers are responsible for preventative gutter repair and assume all risks if they do not complete it.

Damage to the House

Gutters that are working correctly are crucial to the maintenance of your home. Broken gutters can cause major damage to your home. Unfortunately, this damage will not be covered because the damaged gutters caused them. Ignoring broken or damaged gutters can cause a chain reaction that can be pretty costly to repair. New technologies have made repairing and replacing gutters quite simple.

does home insurance cover gutters leaves

When your gutters fill up, the water has nowhere to go, and it can seep under your roof and cause significant water damage to your walls and ceilings. This damage will not be covered.

Gutters clogged with leaves and branches are a perfect place for bugs and rodents to nest, and they will eventually find their way into your home. These pests can cause a great deal of damage.

Choice of Homeowner’s Insurance Policy

When you pay premiums, you want homeowners insurance paid when you suffer damage to your house. People are often surprised when their insurance denies their claims.

There are six types of homeowner’s insurance. There is also renter’s insurance known as HO – 4 and HO – 6. Renters are not responsible for maintaining the structure. We will look at the other types.

HO – 1: Basic Form

HO – 1 is the most basic insurance. Your home is covered at its cash value, and personal belongings can be covered if specified in the policy. This is a named peril policy, meaning insurance will cover the events listed in the policy.

HO – 2: Broad Form

The HO – 2 policy covers more perils than HO – 1. This policy covers your home at its replacement value while your belongings are covered at their actual cash value.

HO – 3: Special Form

The HO – 3 is the most common. This policy is much more comprehensive than the first two. The policy will pay the replacement cost of your home, and it will cover your personal property at its actual cash value.

The HO-3 will cover damages from all perils except those expressly excluded. This is an excellent option for most homeowners.

HO – 5: Comprehensive Form

An HO-5 covers your home and your personal belongings at their replacement cost and protects your personal belongings from the same perils as your home. These policies come with higher coverage limits for specific personal property, and this policy is excellent for people with a lot of high-value property in their homes.

HO – 7: Mobile Home Form

An HO – 7 covers the same things as the HO – 3, but it specifies mobile homes. These can include manufactured homes, trailers, sectional homes, modular homes, and park model homes. Mobile home policies exclude damage done when the house is in transit.

HO – 8: Modified Coverage Form

An HO – 8 protects homes that do not fit the standards for other types of insurance. Houses in an area with a high risk of loss from a fire would fit in this category, and other factors like outdated wiring, damaged roofing, or outdated plumbing would qualify for this type of policy.

Regardless of the homeowner’s policy you choose, it is essential to read the fine print. Damage to your gutters will be covered if caused by a covered event unless specifically excluded in your policy. If the damage was the result of neglect, you will be responsible for paying replacement or repair costs. Check your gutters regularly to ensure they are working properly.

Final Thoughts

To answer the question does home insurance cover gutters, the quick answer is yes. Ultimately, however, this is dependent on your insurance policy, what is covered, and what damaged the gutters. Be sure to do your research on homeowner’s insurance policies to make the best decision for you and your home.

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Written By:
Keiron Mohamed

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