Risk Insights | Sahouri Journal

How Maintaining Your Gutters Can Reduce Home Insurance Claims

Written by SAHOURI | October 26, 2018

As seasons change, it’s important to be aware of threats that can damage your home, such as untreated gutters. Leaving them unmaintained poses serious risks for your home which may not be covered against by your homeowner's policy. 

This is a slippery subject, so stay focused: losses sustained at home by damaged gutters may not be covered by your homeowner’s policy. However, there are preventative measures you should be taking to avoid the need to file a claim in the first place.

What you will learn:

 

What Do Bad Gutters Look Like?

A gutter's function is to direct water away from your home’s exterior walls, windows, doors, and foundation, which prevents water from making its way inside. Cleaning your gutters throughout the year will increase its lifespan, but it will eventually need to be repaired or replaced to help protect your home.

Keep an eye out for some of these signs of a bad gutter:

  • Visible rust or cracks on gutter frame
  • Pools of water around home foundation
  • Sagging, detached, or uneven gutters
  • Overflowed or clogged with water

 

5 Risks of Untreated Gutters.

Clogged gutters can damage your home and increase the potential for someone in the home to develop health issues. And while gutters are an essential part of your home, don't expect your insurer to pay for gutter-related damages. We discuss that later in this post.

So, what exactly are the risks that untreated gutters can cause?

Foundation Cracks

Gutters carry water away from your home to a drainage area. If your left uncleaned, gutter can cause water overflow, pouring along your home's foundation. Overtime, this can cause cracks to form and shift your foundation, which can result in collapse. Even if your foundation doesn’t fail, water can cause molding.

Flooded Basement

Water damage to the basement could be considered the most common gutter-related problems that homeowners deal with. When gutters are clogged, the water has to fall somewhere and more often that place is your basement. Your valuables may all be stored in the based and can be damaged beyond repair.

Roof Damage

Gutters ensure water flows off of your roof to the ground. When gutters are full, the water has nowhere to go, which can soak into your roof. In colder climates, ice dams can form on gutters or lower edges of the roofs as well. This can cause leaks into your home and can deteriorate the home’s structure over time.

Mold and Pollen

Untreated gutters invite mold and pollen, which effect those with bad allergies or can create issues such as breathing problems, fevers, headaches, and more. Managing the mold and properly cleaning as soon as possible is important. Otherwise, there can health consequences for everyone in the home.

Insect Infestation

Dampness and debris attracts insects. Not cleaning out gutters invites insects and animals to make a home there, which they can easily find a way in yours. Gutters that cause foundation damage can create the way for pests to come into your home. In this case, calling the exterminator is not being pro-active. Don't invite the pests in!

Is Gutter Damage Covered by Your Homeowner’s Policy?

 

When it comes to gutter-related damage, there are a few exclusions from your policy to remember:

  • Wear and tear: if your gutters are failing due to age, it most likely won’t be covered. It’s important to know your installation date and check your gutters before submitting a claim.
  • Negligence: if your gutters are clogged due to a lack of cleaning and it causes damages to your home, it will not be covered.

As a homeowner, you must understand your policy and how maintaining your home can affect it. Make sure to study it thoroughly, you might be surprised at what you find!

Hiring a Professional vs. Doing It Yourself.

You can always clean your own gutters, or you can hire a pro. Most homeowners prefer to rely on professionals for ongoing gutter maintenance. While it is a fairly dangerous job, it can be a DIY project you're up to the challenge. Let's take a quick look at the pros and cons of both options.

Doing It Yourself (DIY)

Regardless of how you choose to do it, you're going to climb that ladder, and safety should be the only thing on your mind when you do so. If you're feeling bold, consider these safety tips before starting:

  • Have a safe and sturdy ladder
  • Use a leaf blower or a hose
  • Purchase a gutter cleaning kit that connects to your leaf blower
  • Wear goggles, a dust mask, and gloves to prevent unwarranted contact with debris
  • To clean it out by hand – use a gutter scoop or garden trowel; best to do when leaves are slightly damp

Keep in mind, thousands of people visit the emergency room every year due to ladder-related injuries. If you are unsure about your safety, then definitely consider hiring a professional to get the job done.

Almost ¼ million people visit the ER each year due to ladder-related injuries.

Hiring a Professional

As a homeowner, your safety, time, and budget are always a priority. While it is more expensive than doing it yourself, hiring a professional to maintain your gutters might be in your best interest for the speed and long-term effectiveness of the job.

Here are a few benefits to hiring a pro:

  • The job will be done efficiently and quickly
  • Long-term security of the gutters and your home
  • A receipt of the service helps in the time of a claim for proof of maintenance


Consult Your Advisor.

Untreated gutters present real serious risks to your home that can threaten your home’s contents, foundation, or roofing.

If you don't maintain your gutters regularly throughout the year, your insurer has a right to deny your claims, forcing you to pay out of pocket for repairs. 

Unsure about your coverage? Talk to one of our home insurance experts for advice on your exposures and coverage related to gutter damage or any water damage in general.