Understanding Gutters Insurance Coverage
Gutters situations can be stressful, but understanding your insurance coverage can help make the restoration process smoother. Most homeowners and commercial policies cover gutters when it results from sudden, accidental events.
Types of Insurance That Cover Gutters
Homeowners Insurance
Standard homeowners policies typically cover sudden and accidental water damage, fire damage, and related restoration costs.
The Gutters Claims Process
Document the Damage
Take photos and videos of all damage before any cleanup begins. This documentation is crucial for your claim.
Contact Your Insurance Company
Report the damage to your insurance company as soon as possible. They'll assign an adjuster to your claim.
Call Pocono Restorations
Contact us immediately for emergency mitigation. Quick action prevents further damage and is often required by insurance policies.
Meet with the Adjuster
We can be present during the adjuster's inspection to ensure all damage is properly documented and valued.
Restoration Begins
Once your claim is approved, we begin the full restoration process. We bill your insurance directly.
What's Typically Covered
Usually Covered
- Sudden pipe bursts
- Accidental overflow
- Storm damage
- Fire department water damage
- Appliance malfunctions
Often Not Covered
- Gradual leaks
- Lack of maintenance
- Flooding (requires separate policy)
- Sewer backup (may require rider)
- Pre-existing damage
Insurance Claims FAQ
How long do I have to file a claim?
Most policies require you to report damage promptly, typically within 24-72 hours. Check your specific policy for requirements.
Will filing a claim raise my rates?
It depends on your policy and claims history. However, not filing for legitimate damage could cost you more in the long run.
Do I need to get multiple estimates?
Your insurance company may request multiple estimates. We provide detailed, itemized estimates that insurance companies accept.
What if my claim is denied?
We can help you understand the denial reason and assist with appeals if the denial seems unjustified.
