Does Home Insurance Cover Gutters?

Home insurance is an important component of protecting what is likely to be your primary investment and is also your family’s home.

Nonetheless, many people are confused about what their home insurance actually covers, and gutters are a prime example.

Gain the peace of mind that comes from knowing you are covered by consulting with an experienced California home insurance agent today. 

Home Insurance and Your Gutters

Generally, damage to your gutters is not covered by a California homeowner’s insurance, but the deciding factor of whether or not your policy will cover the replacement of your gutters is the originating cause of your gutter concern.

Your gutters play an important role in the structural integrity of your home, which means that regular maintenance is key and that repairs should be made as necessary. 

As a homeowner, you are responsible for this general upkeep, and if your gutters suffer as a result of your lack of maintenance, the damage that ensues isn’t likely to be covered by your standard home policy. Typically, gutter problems stem from inadequate maintenance, such as the following:

1. Failure to ensure your gutters are cleaned out
2. Failure to ensure that your gutters align
3. Failure to ensure that broken gutter pieces are replaced

Issues that May Be Covered

There are some instances in which your gutters may be covered by your home insurance, including:

1. Your gutters were damaged by a windstorm, hail, tornado, or hurricane
2. Your gutters were damaged by a house fire
3. Your gutters were damaged by a falling tree branch

If you have a claim, discussing the matter with your Northridge, CA home insurance agent is the best path forward.

Claims Denials

Some reasons that home claims related to gutters are denied include some factors that you should be on the lookout for as a homeowner:

1. Allowing your gutters to become loose or to lose their secure attachment to your home.
2. Allowing your gutters to become backed up with leaves or anything else that causes water damage to your roof or home, including mold.
3. Allowing blockages such as ice dams to form and result in damage to your home.
4. Allowing vermin or insects to damage your gutters and, as a result, your home.

The best policy when it comes to protecting your home is ensuring that gutter maintenance receives the attention it should and ensuring that you have a solid home insurance policy in place that provides you with the financial protection you are looking for. 

Turn to an Experienced California Home Insurance Agent for the Professional Help You Need

Your home is where your family makes memories that last a lifetime and protecting it is key. The seasoned California homeowner’s insurance agents at Panorama Insurance Agency are committed to helping you obtain a policy that covers your home in the manner that you intend it to be covered – and to helping you understand the ins and outs of that policy. For more information, please contact us today.