Gutter repair

Gutter repair is a maintenance service that restores damaged gutters, which are structural components designed to channel rainwater away from building foundations. Home insurance policies in the US generally exclude coverage for gutter repair caused by wear and tear, such as corrosion or sagging due to age.

Insurance companies typically cover gutter repair only if sudden, accidental events like windstorms or falling tree limbs cause the damage, as specified by providers including State Farm and Allstate. Standard exclusions in US homeowners’ policies list gradual deterioration and lack of maintenance among reasons for claim denial involving gutters, per NAIC guidelines.

Insurance adjusters require photographic evidence or inspection reports to verify covered gutter damage before approving claims, YourInsurance.info states. High-wind events accounted for 28% of insured property losses related to exterior elements, including gutters, according to the Insurance Information Institute’s 2021 report.

Some policies may reimburse gutter repair if faulty installation led directly to water infiltration and resulting home interior damage, based on American Family Insurance documentation. Premiums may increase after multiple claims for exterior repairs, including gutters, as seen in customer data analyses published by JD Power in 2023.

Insurers frequently request proof of regular gutter maintenance, such as receipts from contractors like LeafGuard or ABC Seamless, before paying out on related damage claims. Gutter guards can reduce insurance claims by preventing clogs and ice dams that would otherwise cause overflow and water intrusion documented in Travelers Insurance case studies.