I was getting my home ready for Virginia's hurricane season when I noticed rainwater had been spilling over the top edge of my garage gutter. I don't know a ton about gutters, but I know that rain should flow down and out of my gutters, not over them. Clearly, something was wrong. I also have a poorly placed tree that overhangs the same corner of my house and constantly drops flowers, twigs, and leaves from summer to the start of winter. It was time to call a professional.
Two tennis balls and a giant bouncy ball later, my gutter was unclogged and back in business. While the tennis balls were easily removed from the gutter pipe, the gutter professional found a giant bouncy ball lodged in the downspout along with leaves and other debris, creating a massive clog. No wonder my gutters were overflowing! Thankfully, my college-age son is much more interested in girls than playing with tennis balls these days.
Our NNINS home insurance experts know gutters are the #1 most neglected and problematic issue they see in external home inspections, but they are simple to fix. Check three things to ensure your gutters are functional and will protect your home from water damage.
If your gutter system is missing parts, a professional can repair or replace them. They will also ensure your gutters are slightly towards the downspout, preventing water from sitting. Moss or lichen growth in gutter pipes can indicate improper pitching and stagnant water. Pooling water will also cause the gutter to sag over time, making it even more ineffective.
Your gutters connect to downspouts that take the water down to the ground. But don't stop there! Downspout water that drains too close to the foundation is an invitation to a wet or flooded basement and other costly water damage inside your home. It's essential to have extensions attached to your downspouts that will move the water away from the exterior walls of your house. Keep the pipes free from clogs as well. If your downspouts extend underground, it’s a good idea to determine where that water is going, especially if you’re not the home's first owner.
The length of your home's downspout extensions depends on the slope of your yard. You want to be sure the water is directed to flow away from your house without draining across your driveway or sidewalk. When temperatures drop during winter, this runoff will freeze, creating a dangerous and slippery hazard!
If you have many trees around your home, have your gutter system cleaned and professionally inspected at least every year or more. It's the perfect spring and fall maintenance job to prepare your home for severe weather and winter weather. When your gutters aren't clear, water can back up and lead to a leaky roof and ice dams during winter weather. A gallon of water weighs about 8 pounds! All that extra weight can damage your gutters and tear them away from the roof.
If you're the type to take on home projects yourself, you need a safe and secure ladder, gloves, and a hose. If you do it routinely, you can use all kinds of tricks and gizmos to help with the job, but we recommend hiring a professional because of the dangers of using a ladder.
It costs about $70 to $100 to clean an average of 200 feet of gutters on a one-story home. My two-story home in Stafford was $200 with about 200 linear feet of gutter. The taller the house, the harder the work and the more assumed risk heading up those ladders.
So, what could be lurking in your gutters this fall? And how well are they protecting your home from heavy rain? Maintaining your gutters prevents costly water damage from wet and moldy homes.
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THE NORTHERN NECK INSURANCE INTEGRITY PROMISE — We pledge to provide straight talk and good counsel from our NNINS Virginia insurance experts through our blog. While we hope you find this helpful source of information, it does not replace the guidance of a licensed insurance professional, nor does it modify the terms of your Northern Neck Insurance policy in any way. All insurance products are governed by the terms in the applicable insurance policy.