Here is what insurance companys have to say in regards to gutter
Even though they’re "out of sight and out of mind" for the majority of the time, your gutters actually play a huge role in the structural integrity of your house, and keeping them clean is a great way to avoid the potentially costly expense of gutter repairs.
Gutters have one job: to guide rainwater off your roof and straight down the drain. Despite their importance, though, it can be all too easy to forget about them until something goes wrong. If your gutters become clogged or broken, the results can be serious: not only could you end up with structural damage, the resulting damp can cause health issues for you and your family.
Whether you have cast iron, plastic, or pressed steel gutters, they need to be cleaned in order to keep them performing properly, and to avoid the need for gutter repairs in the future. .
When thinking about how to avoid gutter repairs, it's important to remember one simple fact: clean gutters are far less susceptible to damage than blocked gutters. In fact, the two most common gutter related issues facing homeowners are blockages in the gutter itself, and blockages in the downpipes. These blockages are often caused by debris like fallen leaves, moss, and (in some unfortunate cases) dead animals. One simple way to tell if you're in need of gutter repairs is to take a step outside while it's raining - if water is running down the side of your house, it's likely that your gutters are blocked.
Leaking gutter joints are another common problem: in fact, leaking gutters are the most common cause of isolated damp in homes across the UK. Leaks can occur when bits of debris get caught in the joints, or simply from general wear and tear. If you’re experiencing damp in your property, it’s a good idea to check your gutters before you do anything else to see if that’s what’s causing the problem.
One final sign of damage to look out for is sagging gutters. This can happen when the gutter becomes weighed down by debris and standing water, or when there are rusty screws and faulty brackets. Frequent gutter cleaning can highlight these problems: you'll easily be able to check how sturdy they are by examining the downpipe on the ground, and if anything feels a little loose you can take precautions before any real damage occurs.
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Did you know!
Every home owner has a duty of care to look after there property to a reasonable degree,If not, you could find that you may not be covered".
Insurance policies are based on an expectation that your house is kept in a good state of repair. For example, if your home is damaged from water overflowing from a blocked gutter, your insurer may be within there rights to turn down a claim.
This is based on the fact that you should have kept your gutters clear of moss and debris as part of your building maintenance