Will My Homeowners Insurance Pay for Gutter Damage?

A homeowners insurance can cover the components attached to your roof, including your seamless gutter system. However, there are specific instances where insurers can reject your claims for gutter damage.

In this post, Deschutes Roofing discusses when your homeowners insurance won’t cover gutter damage.

Wear and Tear on Roofs and Rain Gutters

All gutter systems fall apart and fail as they age, and homeowners insurance policies typically have wear-and-tear exclusion. That said, if the damage is due to the gutter’s age, your insurance won’t cover the repair or replacement costs. It helps to know the installation date of your gutters and check whether they are suffering from normal wear before submitting a claim.

Lack of Rain Gutter Maintenance

If your gutters were damaged because they didn’t receive regular maintenance, your insurer will indicate it as homeowner negligence and reject your claim. Make sure to include your gutters during roofing repairs and maintenance, so you can show proof your gutters were properly taken care of.

Damage to Your Home Roof

Problematic gutters that occur due to negligence or normal wear can lead to damage to the house. If the neglected gutters damage your siding or any part of your home, your insurance provider will likely deny your claim. Here are some examples of gutter negligence resulting in damage to the home’s exterior or interior:

Loose Gutters. Standing water that has been in your gutters for an extended period can cause the fasteners to loosen. Your gutters could pull away from your house, causing damage to the exterior.
Ice Dams. Water that doesn’t drain properly during winter will cause ice dams to form on your roof.
Small Animal Damage. A buildup of debris, leaves, and twigs can attract small animals to make their nests in your gutters. Once they dig in, they can damage your gutter system and house.

Deschutes Roofing installs seamless gutters and roofing systems

With our expertise, we can deliver superior workmanship. To schedule a consultation, fill out our contact form or call us at (541) 241-5720 (Bend), (503) 967-9590 (Portland), (541) 246-6860 (Eugene), (503) 468-7663 (Lake Oswego) or (503) 928-8750 (Beaverton).

We were very pleased with our service. We got three different estimates and we went with Deschutes Roofing. We also had a personal recommendation from friends. The roof was actually installed very quickly and efficiently. The crew was very … read more Response from business owner Deborah, I enjoyed meeting with you today for the final inspection. Thank you so much for the kind review. We appreciate your business!

Deborah M.

We had an excellent experience with Carlos and the team at Deschutes Roofing. Dave conducted a thorough inspection of our roofing needs, answered our questions, and provided a detailed appraisal with a range of options. Laurie provided … read more Response from business owner Kris, thank you for your kind compliments. We appreciate your business and really enjoyed working with you!

Kris B.

Very professional. Recommend them highly. Prompt, well done. Response from business owner Thanks, Jo!

Jo U.

Had winter damage due to heavy snow. Then an inspection of my roof revealed defects when installed by original roofer. Carlos was very responsive to my needs and required repairs were completed quickly.

Michael M.

Thanks to Deschutes Roofing Co. for a smooth and proffesional job done. Between scheduling flexibility and consideration of conditions, Carlos and his crew felt like family

David P.

We got in touch with Carlos on a Saturday desperate for help with our ice dams, as we had water actively running into the house. He got a crew together for us the next day.

Barbrina D.

Needed some minor roof and gutter repairs for which Deschutes Roofing was perfect. Excellent evaluation of problems followed up by reasonable price and good work. Pleasant to work with and on time as well.

Cat B.