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GUTTER HEALTH

Why cleaning gutters should be on your to-do list.

Gutters blocked by leaves may not seem like a big deal but ensuring this part of your home is in good working order has far-reaching benefits. Gutters essentially manage the flow of rainwater away from your home during a downpour or storm.  If they’re blocked, the water can pool in the wrong place and even flow back into your house and damage your home inside and out.

QBE Insurance Head of Short Tail Claims Arron Mann says ensuring your gutters are free from leaves, sticks and other debris is an important part of your regular maintenance and a vital risk mitigation step.

"It’s good practice to clean out your gutters regularly.  Gutters fill with leaves and other debris, and if you haven’t cleaned them out by the time those storms hit, the uncontrolled water flow can have a devastating effect on your home.  The water comes down into your gutter, but if it’s filled with leaves, the water doesn’t just flow off over the top.  Instead, it flows back to the house and into your eaves and can eventually get into your wall cavities and cause widespread damage."

Clearing and cleaning gutters before the onset of the dry season is also a good idea if you live in a bushfire prone area to reduce the likelihood of spot fires and flying embers close to your home.

GETTING HELP

It’s always wise to call in the experts with risky home maintenance jobs like gutter cleaning, especially if you’ll need to climb a ladder.  Professional gutter cleaners will usually be experienced at working at heights, climbing ladders and using harnesses.  In many cases, they’ll carry powerful leaf blowers and other specialised tools to make the job efficient and safer.

HOW DOES YOUR HOME INSURANCE PROTECT YOU?

Blocked gutters can cause damage to your home so it’s important to understand how your insurance cover can protect you.  Damage to your home caused by blocked gutters may not be covered by your insurance, which is why it’s important to clean your gutters regularly.

Home insurance covers you for damage that results from unexpected events that are outside your control.

Home insurance does not aim to cover you for damage that could have been avoided through maintenance. Always refer to your individual Product Disclosure Statement for the details of your personal insurance cover.

For information call our consultants on 8925 5901.

 

This article was originally published by QBE Insurance Australia. This article is intended as a general guide only. You should consult the Northern Territory emergency services for further information. Disclaimer: Insurance is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545. Automobile Association of Northern Territory Incorporated ABN 13 431 478 529 AR 433569 is an authorised representative of QBE. The information on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.

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