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Will Your Homeowners Insurance Cover Gutter Damage?

May 13th, 2019 | No Comments »

Insurance ClaimWere the gutters on your home damaged in a recent storm? If so, you may be wondering whether you should contact your homeowners insurance company to file a claim. Is this type of damage covered by your policy, or will you have to pay out of your own pocket to have it repaired? The answers to the questions below will help you determine if it’s worth filing a claim with your insurance company.

How were your gutters damaged?

Did heavy winds tear your gutters from their brackets, or were your gutters damaged as a result of vandalism or fire? In these cases, there’s a good chance that your insurance company will cover the damaged sustained by your gutters. If, on the other hand, your gutters were damaged due to general wear and tear, you will probably have to pay for the repairs yourself.

What does your insurance policy cover?

Most homeowners insurance policies protect against either “named perils” or “all risks.” A named-perils insurance policy will only protect your gutters in certain instances. An all-risks insurance policy, meanwhile, will protect your gutters in almost all cases. There are some exceptions when it comes to all risks policies, though. Many insurance companies won’t cover gutter damage caused by extreme events like earthquakes and floods.

Did you do everything you could to prevent the damage?

Before a homeowners insurance company agrees to pay for repairs, they’ll usually assess the extent to which you maintained and cared for your gutters. If they determine that the gutters were damaged as a result of negligence, they may not cover the cost of repairs. This constitutes yet another reason why it’s so important for homeowners to clean and inspect their gutters on a regular basis.

Interested in replacing your home’s old gutters with a modern, durable seamless gutter system? The team at Bell Seamless Gutters would be happy to lend a hand. Just give us a call or contact us online today to get started!

Are Your Gutters Properly Pitched?

November 28th, 2018 | No Comments »

Gutter Installation Residential gutters might seem like fairly simple pieces of hardware, but if they’re not installed correctly they may not be able to effectively discharge water away from your home. This is because gutters must be pitched slightly toward their downspouts to ensure rainwater is able to flow freely without getting trapped along the way. As a general rule of thumb, your gutters should slope down from their peak at least one quarter inch for every 10 feet of gutter.

So how can you tell if your gutters are properly pitched?

An easy way to make sure water is flowing through your downspouts is to inspect your gutters following a rainstorm. If you can see any standing water in your gutters and it’s not being blocked by debris or other obstructions, the pitch of the gutters is likely too shallow.

In some cases, you may be able to correct isolated gutter pitch issues by gently bending the gutter hanger in the affected area to allow water to drain into the downspout. If the pitch problems are more widespread, however, you may need to have your gutters rehung by a professional installer.

If your gutters were originally hung by professionals and have been properly maintained, you shouldn’t have to worry too much about pitch problems unless they’re damaged by something like a falling tree limb. You’re also less likely to encounter pitch problems with seamless gutters because they must be custom cut to suit the unique dimensions of your home.

Interested in learning more about all the benefits of modern seamless gutter systems? Give us a call or contact us online to speak with a representative at Bell Seamless Gutters today!

Top Spring Cleaning Tips For Your Gutters and Downspouts

March 27th, 2014 | No Comments »

gutter maintenanceIn many areas of the country, the spring season can bring a lot of rain with it; and our gutters will get a lot of use during this time of year. Most homeowners know that clean gutters are gutters that work. If they are dirty and clogged, they will be of no use when the rain showers start flowing through.

Here are some valuable tips for maintenance and cleaning, to keep your gutters in great shape for the spring and summer weather.

Prevention Tips:

By using a few prevention methods, you can avoid the problem of clogged and dirty gutters, and save yourself a lot of cleaning time this spring.

Mesh and screens: Plastic and metal screens with holes or slits in them, are good for allowing the rain to pass through, but help to block solid debris. Be careful with screens that have slits instead of holes, they can sometimes also keep water from passing through. If using mesh, or some form of stainless steel netting, installed flat or angled, it can act as a good strainer for the gutter.

Solid covers: Molded plastic covers will allow a big enough space for rain and water to flow through, and any solid debris will normally bounce off of the gutter cover and fall to the ground, to be retrieved later.

Cleaning Tips:

If your gutters are already clogged, here are some tips to clean them and restore the gutters to their usefulness.

  • Always inspect your gutters regularly to see if they are clogged and dirty. If they are, use a hose to flush out the gutters and downspouts.
  • Check to see if gutters are unclogged, by using a garden hose to run water through, and see if it flows through easily.
  • Make sure that there are no areas of “pooling” in your gutters. Pooling means that there may be sagging areas or areas that are sloping.
  • If you find any leaks, they need to be repaired immediately.
  • Notice if there is any water spilling over the edges of the gutter. This means that there is debris jammed in a certain area of the gutter. If this happens, thoroughly clean gutters and downspouts until water runs effortlessly through. Then install a protective cover if needed.
  • Inspect downspouts to be sure that they are securely connected to the gutters. Downspouts should be extended enough to move the rain and water, at least 3 feet away from the foundation of the home. Rain or water that flows to the ground, any closer to the home’s foundation, can cause serious damage.

The Benefits of Using Seamless Gutters

February 6th, 2014 | No Comments »

nj seamless gutter

The use of seamless gutters is becoming increasingly popular for many homeowners. Due to their ease and functionality, and their overall attractive appearance, seamless gutters are an obvious better choice, for their high quality design, and for the look and appeal of your home.

 

Seamless gutters have many advantages over traditional gutters; such as greatly lessening the chance of leaks. Traditional gutters must be attached to each other, piece by piece, which can leave spaces for rain to fall through. They are also easier to install; and many handy DIY’ers will find it simple to install seamless gutters, but for most people, professional installation insures that they are installed correctly.

 

Quality gutters are highly important because they protect the foundation of your home, by directing rainwater away from the foundation.

 

The benefits of using seamless gutters over traditional gutters are numerous. Here are just a few of the most important advantages.

 

  • Seamless gutters are far more attractive and add great visual appeal to the outside of your home.

 

  • They are more tailored to the look of your home, because seamless gutters are installed with exact measurements.

 

  • Most importantly, they help to reduce the chance of rain leaks, which can cause erosion of the gutters and create puddle and trenches in the ground below the gutters.

 

  • Seamless gutters are more easily and quickly installed because unlike traditional gutters, each piece does not need to be fastened to the other. There are some seams at the corners and the downspouts only, they are very securely sealed to greatly reduce the chance for leaks.

 

  • Most seamless gutters come with an enamel finish, so there is no need for painting.

 

  • And seamless gutters can come in many colors, so you can choose a color that best matches your home.

 

 

How to Hang Holiday Lights Without Damaging Your Gutters

December 20th, 2013 | No Comments »

The holiday season brings out the cheer in just about everyone. Homeowners, who choose not to decorate for any other season, gather their lights, reindeer, and plastic snowmen, to celebrate the winter holiday season in style. Displaying holiday lights outside your home is one of the most creative and playful ways to decorate for Christmas, but there are important things to consider before taking on the task. Spreading holiday cheer requires a bit of planning, if you don’t want to damage your gutters.

 

With just a few of the right tools, anyone can hang holiday lights around their gutters without too much trouble. Make a list of what you will need, from the nearest home or hardware store, and you can get started turning the outside of your home into a Christmas wonderland.

 

Gutter hangers are necessary for hanging holiday lights from your home’s gutters with ease. The proper gutter hangers can make this decorating job go a lot smoother. With a good safe ladder and a measuring tool, the neighborhood will be enjoying your holiday light display in no time.

 

Home Store List:

  • Gutter hangers
  • Measuring tape
  • Ladder
  • Extension cord (if needed)

 

The first very important task to getting those Christmas lights up, is measuring the length of the gutter, remembering to consider the distance from the gutter to the nearest electrical outlet. You will most likely need an extension cord to safely connect the lights to the electricity.

 

With gutter hangers in hand, place your ladder firmly under the gutter. It is best to begin in the middle, by placing the first hanger on the lip of the gutter; continue by hanging the wire portion of the string of lights onto the clip of the gutter hanger.

 

Gutter hangers should be placed one foot apart until the end of the gutter has been reached. Attach your extension cord to the end of the string of lights, which should also be supported by the last gutter hanger. Hang your lights from each gutter following these same simple rules.

 

Knowing that your Christmas lights are hung safely and securely, is one of the best parts of enjoying your holiday seasonal decorations.