Will insurance cover gutter replacement?

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Accepted Answer

Insurance will pay to replace gutters when a covered event damaged them beyond reasonable repair, such as hail that dented whole runs or a tree that crushed a section. It pays for gutters like the ones you had, so upgrades such as larger gutters or new gutter guards are on you unless you already had them, and it will not replace gutters that simply wore out. Repair or replace? Most homes in North Georgia have seamless aluminum gutters formed on site in one continuous run per wall. A dented section of seamless gutter cannot be patched invisibly, so when damage runs along a wall, replacing that whole run is usually the reasonable repair. Downspouts are often written separately because they dent easily and are cheap to replace. How gutters show up on the estimate Replace gutter and downspout by the linear foot, with the size and material you have. Detach and reset gutters when the gutters are fine but must come off so new drip edge and shingles can go on. This is a common and legitimate line item on roof replacements. Gutter guards replaced only if you had them before the storm. Depreciation applies here too Gutters are depreciated like the roof. With replacement cost coverage, the held back depreciation is usually released after the work is completed and invoiced. With actual cash value coverage, the depreciation is not coming back. See ACV versus RCV and how Xactimate estimates are built . Upgrades Want 6 inch gutters instead of 5 inch, or guards for the first time? Pay the difference yourself. Do the upgrade in the same project to save

Will insurance cover gutter replacement?

Repair or replace?

How gutters show up on the estimate

Depreciation applies here too

Upgrades

In depth

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