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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!

Keep an Eye out for These Telltale Signs of Gutter Issues

April 24th, 2019 | No Comments »

Heavy RainBecause they rest above eye level, it can be difficult for homeowners to identify minor gutter issues before they become full-blown failures. However, there are a few telltale signs that your gutters have become worn or damaged. Walk around your property and look for the following indicators that your gutters need attention.

Gutter Damage

You can easily spot many external indicators of damage and wear from the ground. Look for sagging, cracks, visible rust and areas where gutters are detached. Black streaks can also be indicative of dirty water spilling over the side where gutters are not clogged or damaged.

Pooling Water or Dry Downspouts

After the next rainstorm, inspect downspouts and look at the landscape around your house. Your downspouts should all be discharging similar amounts of water. If any of them are running dry, a gutter may be clogged. Water spilling over the side of the gutters and areas of standing water below the gutters are also common signs of clogged gutters.

Interior Leaks

Is water seeping into your home during heavy storms? Water from the ceiling is an indicator of a roof leak, while water from walls or the corner of the ceiling is a reliable indicator of damaged gutters.  

Exterior Damage

Is the siding stained or the paint peeling or exterior wood rotting? Perhaps you notice areas of mold streaking exterior walls or eaves. Does it appear that dirt has been splashed up against the side of your home? If so, all these things are indicators you may have gutter problems. Overflowing gutters can splash on walls, and the residual moisture leaves telltale marks and backsplash.

Sudden gutter failures may seem somewhat mysterious, but there are usually indicators that failure is on its way. Taking a moment to examine your gutters now can save you time and money in the long run.

What Can You Do to Prevent Ice Dams on Your Roof?

December 6th, 2017 | No Comments »

What Can You Do to Prevent Ice Dams on Your Roof?Ice dams are one of the most common causes of roof and gutter damage during the winter. Ice dams typically form near a home’s roofline as a result of residual heat in the attic. The heat from the attic causes snow and ice on top of the roof to melt, but when the water runs down the roof and reaches the edge, it stops and re-freezes. The resulting ice can then trap more water, and ultimately lead to huge, heavy ice dams that pose a threat to your roof and gutter system. The good news is, there are a few steps you can take to prevent ice dams from developing on your roof this winter.

Prevent heat buildup in the attic.

On cold days, it’s important to keep heat contained in your home and prevent it from building up in the attic. Keep attic doors closed, and consider having your attic inspected for sources of heat loss such as gaps in drywall and spaces around light fixtures. These gaps should be sealed to maintain a consistent temperature in the attic.

Check your insulation.

In addition to sealing your attic space, you should also be sure to inspect the condition of your attic’s insulation. If there isn’t enough insulation, or if the insulation is worn and damaged, the attic will be more likely to experience extreme temperature fluctuations. This, in turn, can make your roof more prone to ice dam buildup.

Make sure the attic is properly ventilated.

Do you have enough vents in your attic? If not, warm air might be getting trapped there on cold days. Proper ventilation can help maintain the temperature equilibrium in your attic, thereby preventing the roof from warming up and generating ice dams. As a general rule of thumb, you should have 1 square foot of vent space for every 300 square feet of attic floor space.

If your gutter system is damaged by ice dams this winter, the team at Bell Seamless Gutters can help. Give us a call or contact us online to learn more about our repair and replacement services today!

This Year, Prevent Winter Gutter Damage in a Few Easy Steps

October 23rd, 2017 | No Comments »

This Year, Prevent Winter Gutter Damage in a Few Easy StepsThe winter season can wreak havoc on the exterior of your home. The freezing-cold temperatures and snow can damage everything from sidewalks to roofing, and winter can be especially harsh on your home’s gutters. If you aren’t careful, you might even need to replace portions of your gutter system in the spring. Fortunately, there are simple steps you can take to keep your gutters safe this winter.

Clean your gutters in the fall.

During the fall, your home’s gutters can get clogged up with leaves, twigs and other debris. If left unchecked, these clogs can cause water to back up in your gutters and allow large ice dams to form in the winter. Clean your gutters in the fall to prevent ice dams from forming and doing serious damage to your gutter system.

Prevent snow from building up on your roof.

If possible, don’t let large amounts of snow sit on your roof for weeks at a time. At the very least, you can use a roof rake to knock off snow that accumulates near your gutter system. Keeping your gutters free of snow will help them to do their job more effectively and prevent damage during the winter.

Inspect your roof and gutters regularly.

Keep an eye on your roof and gutters throughout the course of the year. If you spot any gutter sections that are pulling away from your home or falling off, call your local gutter company to have them repaired sooner rather than later. This way, you can rely on your gutter system to function effectively when you need it most.

Do your gutters need to be repaired before winter sets in? Bell Seamless Gutters can help. Give us a call today at (800) 597-1616 today to schedule a consultation and learn more about all our seamless gutter options.