Does Your Insurance Cover Damage From Blocked Gutters?

Dirt build-up in the gutter system causes a myriad of problems when neglected. Not only does it cause roof and gutter damage, but it also leads to serious structural damage. This is why it is essential to have the gutter system cleared up at least twice a year.

Gutter cleaning and maintenance will help prevent significant damage to your home. Whether or not you have to spend to have your gutters regularly cleaned, in the long run, it actually helps prevent the need to spend on more expensive repair and renovation tasks. In addition, proper gutter maintenance done regularly is your ticket, should you need to claim your insurance.

Home insurance, also known as homeowner’s insurance, is a type of property insurance that aims to protect an individual’s house and other related assets against unwanted incidents. While most homeowners are aware of the extent of coverage of their insurance, some are just not well informed.

One of the most commonly asked questions about home insurance is, “Does it cover damages caused by blocked gutters?” The simple answer is yes. However, it doesn’t necessarily mean that you are covered when you make a claim.

Hence, it is important that when you decide to pay for a homeowner’s insurance, make sure to go through and understand your policy’s Product Disclosure Statement. This document contains the details of your policy, inclusions, and exclusions.

The Extent of Coverage

Up to what extent do insurance providers cover damages caused by clogged gutters? They cover loss or damages that are outside your control. This means that any damage that could have been prevented through regular maintenance will not be covered.

If you have been regularly cleaning or maintaining your gutters and a loss or damage is incurred, then it will be easier for you to make a claim and get paid. But if your insurance provider finds that you have not been doing maintenance work, they can decide to reject your claim.

Protect Yourself and Your Investment

The best way to protect yourself and your investment is with regular gutter cleaning. If you are familiar or experienced with this kind of work, then this is something that you can do yourself. On the other hand, if this is something that you cannot do, it is always best to hire professionals to the job for you. They are trained and have the right tools to accomplish the job. The important thing is that your gutter system is regularly cleaned up and maintained.

For more garden and landscaping tips, tune in for more Jim’s Mowing NZ blogs.