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Your gutters and downspouts are crucial parts of your roofing system, providing a way to redirect rainwater off the sloped panels and into a proper drainage site. However, much like the roofs they protect, they can be prone to a number of problems. Even the best gutter systems can encounter problems over time, and their costly repairs can easily catch unprepared homeowners by surprise.12.15 gutterhelmet.com_dealers_north-carolina_charlotte_gutter-helmet-piedmont 2.jpg

Protecting against unforeseen problems is one of the biggest benefits of having good homeowners insurance coverage. But whether or not these cover gutter repairs might be hidden somewhere within the terms and conditions of your policy.

Understanding Coverage Types

Homeowners insurance is usually either “all-risk” or “named peril.” All risk means they cover pretty much all types of risks with the exception of floods, earthquakes and a few others specified in your policy while “named peril” insurance specifies the risks they will cover. While it might sound as if an all-risk coverage is better, the provider still reserves the right to approve or deny a claim based on the investigation.

Are Gutters Covered by Homeowners Insurance?

Gutter damage is subject to an inspection before you can file an insurance claim. Normally, wear and tear is not covered, as is old age. Additionally, negligence on the part of the homeowner can also be cause for denial. However, installing Gutter Helmet®  is evidence that you maintain your gutter systems, which would support any other claim.


When it comes to gutter repairs, it’s best to weigh all factors before filing a claim. Going through your insurance might raise your premiums and cost you more money in the long run. However, if the cost of fixing it is less than your deductible, or even just a little over it, it may be more practical to finance the repair on your own.

At Gutter Helmet of Piedmont, we can help you with all your gutter repairs, maintenance and Gutter Helmet installation needs. Call us today at (800) 824-3772, or fill out our contact form to get a free quote.