Does Homeowner's Insurance Pay for Gutter Repair in Oklahoma City?

Does Homeowner’s Insurance Pay for Gutter Repair in Oklahoma City?

September 27, 2018

Oklahoma City is infamous for its raging storms. All too often, the high winds and rains that rip through the area result in damage to gutter systems. When this happens, homeowners must call for gutter services in Oklahoma City.

Once these gutter repairs in Oklahoma City are complete, who gets the bill? Is this damage covered by homeowner’s insurance? Gutter installation in Oklahoma City is typically a significant investment, so it’s important to know what coverage options are available. Use the following information to guide your gutter repairs.

Coverage

Your homeowner’s insurance is designed to cover damages to your home. Since gutters are part of your property, they are included in your coverage. However, your policy terms define the specifics of this coverage. Not every situation that calls for gutter services in Oklahoma City might be included.

Coverage Specifics

Check your policy to see if it protects your home from “all risks” or “named perils.” If your coverage is only for “named perils,” the damage to your gutters must have been caused by one of the listed events in order for your policy to pay for repairs. If “all risks” are included, then your gutter repairs are most likely covered. However, there are still some exceptions.

Coverage Exemptions

All-risk policies typically pay for most damage to gutters. Common threats such as wind, fire and falling objects are usually included. Some policies also list exclusions that will not be covered. Common exclusions include earthquake and flood damage. To obtain coverage for these situations, you can usually buy a separate policy or a rider. It’s also important to note that general wear and tear such as rusting is not covered by your homeowner’s policy.

Coverage Incidents

If you discover that you need gutter repairs in Oklahoma City, it’s important to work with your insurance provider to establish the claim and prevent future incidents. Your carrier will probably expect you to take steps to minimize damage and avoid further claims. For example, if ice and snow build up in your gutters and cause damage to your roof, this is usually covered by homeowner’s insurance. However, if you are aware of the problem and fail to move furniture or other belongings from beneath a leaking roof, they might refuse coverage for these items.

Coverage Maintenance

It is possible for your insurer to deny a claim if they determine that you have not practiced basic maintenance. Regular gutter services in Oklahoma City are necessary to keep your gutters clean and functioning properly. This ongoing maintenance is not covered by your insurance policy, but it is important to remain current on these tasks. This will protect your property from water and pest damage and help ensure that your policy coverage kicks in when you need it to.

Call for Backup

If your property has suffered damage and you need gutter repair or gutter installation in Oklahoma City, partner with the pros for your gutter services. L & S Seamless Guttering can work with you and your insurance provider to provide seamless repairs and coverage. Contact our experienced team today!

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