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You can usually rely on your homeowners’ insurance whenever something happens that results in property damage. But does your policy include your gutters and gutter covers? Read on as Gutter Helmet® of Cookeville sheds light on the matter.

Covered Peril

Gutters are part of your home, which means damage to them is covered by insurance if the cause was among the “perils” specified in your insurance policy. Simply put, if your gutters were damaged by a covered peril, your insurance provider will pay for the repairs or replacement.

It’s worth noting that not all policies provide protection against “named perils”—some cover “all risks.” A named-perils policy lists certain events that can cause damage to your home and that will make you eligible for coverage. These include fire and theft.

An all-risks policy, on the other hand, will cover any damage unless it’s due to specified exemptions. Here, you may be compensated if your gutters sustained storm-related damage (e.g. gutters leaking or pulling away from the roof due to strong winds or a fallen tree) or fire damage. Damage resulting from earthquakes or flooding is excluded in many all-risks policies.

Whatever type of policy you have, make sure you go over the fine print to learn about the various protections in place.

Your Responsibility as a Homeowner

Remember that your insurance company only covers gutter damage repair or replacement up to a certain amount. They won’t pay for gutter maintenance, so it’s up to you to take care of your gutters and make sure they stay in good shape.

To boost your gutters’ performance, consider investing in gutter covers. At Gutter Helmet of Cookeville, we install Gutter Helmet, the only gutter protection system you will ever need. It blocks leaves, pine needles and other debris from entering your gutters, while allowing rainwater to flow freely down and away from your home.

Find out more about our bestselling product by calling (931) 510-8680 or filling out our contact form. We serve residents of Cookeville, TN, and the surrounding areas.