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Floridian HomeAs we get deeper into the winter, it is likely that we will all see an increase in inclement weather. Rain, heavy wind, and other winter weather can all impact your home. You want to protect your home from any damages.

Having a home insurance policy can help you cover the costs should damages occur. However, you don't want those damages to happen in the first place. A pertinent and present way to protect your home is to clean out your gutters.

Why Regular Gutter Maintenance Is Important


Debris and falling leaves can clog your gutters. Heavy winter rains and winds can cause excessive water runoff. If your gutters are not properly maintained, then they could damage your home.

If water can't properly run through your gutters, it can pool or run into areas where it causes damages.

You can help keep the gutters in safe, working condition with regular maintenance. You can also protect your home's structure and the gutters themselves.

Damages That Can Occur


Water might pool in your yard, causing the backyard to flood. Pooled water can also seep into areas like your attic, roof and other parts of the home. This water can cause leaks, deform woodwork and cause mold growth. All these issues are serious.

Furthermore, if gutters clog with debris, they can corrode or become overweight. Corrosion can cause gutters to collapse or break. If gutters are too heavy, they can tear off of your roof. This can cause damage not only to the gutters, but also to the structure of the house and roof.

Homeowners Insurance And Gutters


Because they are part of your home, gutters are usually covered by home insurance. However, this isn't always true.

Most home insurance policies cover risks from weather or other perils. They may list the covered perils specifically. Or, they might assume all risks are covered, with exceptions. Make sure your insurance covers gutter repairs.

Also, some perils like flood and hurricane damage are usually not covered by home insurance. You usually have to buy separate policies for these damages.

Finally, your insurance agency expects you to be a responsible homeowner. If you haven't maintained your gutters, insurance could deny you a payout.

Ahrens Insurance Agency offers a variety of home insurance options for you to choose from. You can explore our home insurance tab for helpful information about purchasing a policy. If you would like to purchase today, call us at (352) 368-7090 for a The Villages FL home insurance quote.
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