Are Gutters Covered By Insurance

Water damage is a major issue for property owners, and damp caused by blocked gutters can be a major culprit. But are gutters covered by insurance.

Unfortunately, this is often not the case. In fact, insurance companies typically refuse to pay out for damage caused by blocked gutters, if due to lack of maintenance.

In this article, we’ll delve into this issue in more detail. We’ll explore the reasons why insurance companies refuse to pay out for this type of damage and provide you with some tips on how to avoid it.

What is Damp and How Does it Occur?

Damp is the presence of excess moisture in a building or structure. It can be caused by a variety of factors, including leaks in the roof or walls, condensation, and rising damp. Blocked gutters can also contribute to damp by preventing water from flowing away from the property.

Insurance Companies and Blocked Gutters: Why Won’t They Pay Out?

Insurance companies are in the business of assessing and managing risk. They expect property owners to take reasonable steps to maintain their buildings and prevent damage from occurring. When it comes to blocked gutters, insurance companies argue that it is the responsibility of the property owner to keep them clear and prevent water damage.

In many cases, insurance policies explicitly state that they will not cover damage caused by lack of maintenance. This means that if you make a claim for water damage caused by blocked gutters, it is likely to be denied.


What The Insurance Industry Says About Lack Of Maintenance.

The Association of British Insurers have produced a PDF “Home insurance, What you need to know.  In the document they say:

Your home insurance
will not cover the routine costs of maintaining your property, or the costs of any damage caused by lack of maintenance. So, for example, if you know you have some loose roof tiles or damaged guttering get them repaired.

Source : Association British Insurers – Home insurance, What You Need to Know.


Insurance industry comparison website compare the market have also issued guidance.  They say:

Your insurance provider might reject a claim if you haven’t maintained your home properly. For example, if there’s a leak because you haven’t replaced broken roof tiles. Damp and Mould problems due to poor ventilation will also be considered a maintenance issue, so they’re unlikely to be covered.

Source: Compare The Market – What Does Home Insurance Cover

How to Protect Your Property from Blocked Gutters

The best way to avoid water damage caused by blocked gutters is to ensure that they are regularly cleaned and maintained. Here are some tips to help you keep your gutters clear:

  • Clean your gutters at least once per year, or more frequently if you live in an area with heavy rainfall.
  • Inspect your gutters regularly for signs of damage or blockages, such as sagging, cracks, or debris.
  • Trim overhanging trees to prevent leaves and branches from falling into your gutters.
  • Install gutter guards to prevent debris from accumulating in your gutters.


Q: Will insurance companies cover water damage caused by other types of blockages, such as leaves or debris?

A: It depends on the specific policy and the circumstances of the damage. However, in general, insurance companies are more likely to pay out for damage caused by natural events, such as storms or heavy rainfall, than for damage caused by lack of maintenance.

Q: Can I claim for water damage caused by blocked gutters if I have never had them cleaned?

A: It is unlikely that your insurance company will cover this type of damage if you have not taken reasonable steps to maintain your gutters. This means that if you have never had your gutters cleaned, you may not be covered.

Q: What should I do if I discover water damage caused by blocked gutters?

A: Your first step should be to address the cause of the damage by clearing your gutters. You should also document the damage by taking photos and contacting your insurance company to inform them of the situation.


Blocked gutters can cause serious damage to your property, and it is important to take steps to prevent this from happening. However, it is also important to be aware that insurance companies are unlikely to cover water damage caused by blocked gutters due to lack of maintenance.


Further Reading – Ideal Home – Insurance Claim Denied