How to Figure Out if Homeowner’s Insurance Will Cover Your Seamless Gutter Damage

Posted on July 8, 2019 · Posted in Gutters, Supporting Our Customers

Storms can create a significant amount of damage to any home.

Often, it is the roof that suffers the brunt of it. However, your gutters can also be damaged by wind, hail, snow and even lightning strikes. When gutters are compromised, it’s important to get the repairs done as soon as possible to avoid further damage to your home. Often times, it is necessary, and monetarily beneficial, to file an insurance claim for repairs to your seamless gutters in Maine. Below are some things to consider when, and if, you need to file a claim.

When Can Damage Be Repaired Under Your Policy?

If you have a seamless gutter system, you probably have an idea of what seamless gutters cost. You may also know that seamless gutters are likely to last for years and remain very functional. Most of the time, the damage comes from storms that come through our coastal area between Portland and Bar Harbor. Luckily, that’s when your home insurance is most likely to cover your costs.

In many situations, storm damage will fall under your homeowner’s insurance plan. Here are suggestions to consider when the time comes for you to file that claim:

  • First, seek out the roofing team that repairs seamless gutters near you. Our professionals at Horch Roofing will come to you to provide a full inspection to determine the specific cause of damage to your gutters.
  • If the damage is related to storm damage, such as hail, wind, heavy rain, or lightning, you can file an insurance claim. If related to poor maintenance and upkeep, though, your insurance isn’t likely to cover the cost.
  • We will provide you with an estimated cost, whether it is to make repairs or to replace the gutter system entirely. Your insurance company will require a copy of this estimate at the time you file the claim.

Keep in mind that you may have to pay the deductible on your policy. However, if the damage is significant, it is worth filing a claim in most cases. Once approved for new gutters or repairs, we can then get to work to make the repairs for you. Our team works closely with you to ensure the work is done properly, efficiently, and safely.

Let Our Team Work with You

Your insurance company will determine what the best course of action is. However, if it is determined that filing a claim with your insurance company is not beneficial, or that they won’t process your claim, the team at Horch Roofing will likely recommend the repairs to your roof still be made. Gutters that function at their optimal level are important to protect your home and roof from water damage. Water leaking from a damaged seamless gutter is not only bad for the structure of your home, including its foundation, but also for the roofing, siding and trim.

Horch Roofing is Midcoast Maine’s largest and most experienced roofing contractor. We provide metal roofing, asphalt shingle roofing, EPDM rubber roofing, and seamless gutters for both residential and commercial roofing projects. We also offer free roof estimates or job estimates. Horch Roofing has been roofing homes on the coast of Maine since 2003. We serve the communities of coastal Maine from our headquarters in Warren. You can call us at (207) 273-1111, visit us at 2414 Camden Road, or contact us online.