When was the last time you looked at your gutters? It has likely been a while. Gutters aren’t visually prominent from ground level so they tend to be out of mind until something goes wrong.
Will home insurance cover your gutter problems?
Palm Valley Insurance Inc., serving Ponte Vedra Beach, FL, has the inside scoop.
Home Insurance and Gutters
Clogged, dilapidated or otherwise damaged gutters put your home at risk. A faulty gutter is incapable of redirecting water away from the home itself.
Enter home insurance. Read through your home insurance policy and you’ll likely find it covers damage to the gutters in certain instances. As an example, if a covered peril such as a fire, falling debris (aside from leaves) or a harsh storm occurs, gutter damage will likely be covered.
What About Regular Gutter Wear and Tear?
If your gutters deteriorate or fail to function as a result of wear and tear, pest infestation or poor maintenance, insurance might not cover repairs or replacement. Gutter fallibility due to neglect or clogged gutters suffering premature wear due to an excess of leaves likely will not qualify for coverage.
Be sure to read through the language of your home insurance policy to find out what perils are covered. Your home insurance policy will also provide information about coverage limits, deductibles and other details pertaining to gutter coverage.
Get a Quote From Palm Valley Insurance Inc.
Our friendly home insurance team serves residents and others throughout Ponte Vedra Beach, FL and surrounding areas. If you are in the market for home insurance, give us a call at 904-595-6500 for a quote.
