If your gutters sustain damage, will your homeowners insurance pay for the repairs? While reading plenty of Gutter Helmet® reviews can tell you a lot about the quality of the product, it won’t help you understand your insurance policy. ill out our contact form and get a free estimate today. We serve homeowners in Chelsea, AL, and the surrounding areas.
Insurance coverage varies from one provider to another, but they all follow a few general guidelines. Here is a primer on gutter insurance from Gutter Helmet Systems of Alabama.
“All-Risk” vs. “Named Perils”
There are two categories of homeowners insurance: all risk and named perils. An all-risk policy covers any damage in your home, including your gutters, so long as the reason for the damage is not specifically excluded. In contrast, a named perils policy only covers damaged that was caused by one of the listed perils, which can be comprehensive or limited, depending on your provider.
Insurance Payments on Gutter Repairs
One good option is to look for an insurance carrier that offers coverage on damaged gutters after a large deductible. You can use this deductible to determine if you want to claim your gutter repairs through your insurance. If the cost of fixing it is below or just a little bit above the deductible, it may be more practical to handle it on your own.
Not Covered
Your insurance will make determinations on how well you took care of your gutters before approving your claim. Negligence and regular wear and tear are typically not covered by homeowners insurance. That’s why it’s smart to install a gutter protection system such as Gutter Helmet to eliminate the possibility that you may be found to have neglected your gutters. If you’re not sure which type of gutter guard to install, read up on the latest Gutter Helmet reviews to learn why this product is so popular.
Get the best gutter protection system and quality installations only from Gutter Helmet Systems of Alabama. Call us at (800) 824-3772 or fill out our contact form and get a free estimate today. We serve homeowners in Chelsea, AL, and the surrounding areas.
