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Roofing material doesn’t last forever. Eventually, you’ll need a replacement and a new rain gutter installation. You may wonder if you can use your homeowners insurance to pay for this upgrade, but how can you tell if your policy covers gutters and a new roof? Below, A-Plus Seamless Raingutters in Wahiawa, HI, shares three ways you can establish if your homeowners insurance will pay for a new roof and rain gutter installation.

3 Ways to Tell if New Gutters & a Roof Are Covered Under Your Home Insurance

1. Get an Assessment

The easiest way to figure out how much you’ll pay for a new roof and gutters is to call the insurance company. Have them send out an assessor who will check the status of your shingles and other roofing materials as well as look at your gutter system. This is especially helpful if you have never filed a claim and your roof is old or if damage is the reason you need a new roof.

2. Consider Your Individual Policy

Rain-Gutter-Installation-HawaiiSimilarly to health insurance, homeowners insurance has a deductible you must meet before the company will pay for issues covered in individual policies. Get a few estimates on a new roof install (including labor and materials) plus rain gutter installation. Then, compare those numbers with the deductible on your policy. Would it be worth it to pay that number and have the insurance pay the rest if you would not be able to process any future claims with them? Look into the nuances of your individual policy so you understand what making such a major claim could do to your future eligibility for insurance assistance.

3. Look Into Additions

Some homeowners insurance will cover roof add-ons like satellite dishes and HVAC units, but basic policies likely won’t cover these items. Read the fine print to understand if rain gutter installation is part of your policy or if you’ll have to pay for it upfront. Having working gutters is absolutely necessary for protecting your home from moisture, so not getting these essentials is not an option.

Some roofing and rain gutter installation companies will work with you to help process an insurance claim. Consider working with a business that offers these services to make the process even smoother so you can get started on your new roofing and gutter project right away. To learn about rain gutter installation from A-Plus Seamless Raingutters, call (808) 623-0394 or visit the website for information on their available seamless gutter models, top quality installations, and satisfaction guarantee.

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