Why do gutters fill up so fast on rural lots?
Trees near the house drop leaves, needles and seeds, and wind carries them into the gutter. Soil that washes off the roof can settle in the bottom as well.
A gutter under a large tree gets a steady supply of debris, and a run that is level or slightly reversed will hold it in place. Each storm adds more, and a clogged gutter overflows at its lowest point, which is often the corner nearest the downspout.
Clearing the gutter in the fall and checking the downspouts after heavy rain keeps the run flowing. A technician can say how often a particular run needs that attention.
Should I put gutter guards on?
Guards can keep out some leaves on some runs, but they do not fix a gutter that is sloped wrong or pulled off the fascia. A technician can say whether a guard suits the run.
A guard works best on a sound, correctly pitched gutter. Put one on a sagging run, and the water still goes over the edge, and debris still sits on top of the guard.
Ask the crew to note on the estimate what the run needs first, and to say whether a guard would add anything to the plan.
What moves the price of gutter work?
The length of the run, the number of corners and outlets, the height of the eave, the condition of the fascia, and the access to the run all move the price. The price is explained and approved before work starts.
A short straight run at ground-floor height is a much smaller job than a long run around a two-story house with several corners. Soft fascia that needs repair before the gutter can be hung adds carpentry to the work.
Access on a rural lot can be harder, since a ladder has to reach the eave across uneven ground. No figure is given here, and the on-site look and the written estimate are the only real numbers.
Can I clean the gutters myself?
Yes, from the ground if you can reach them safely. A ladder on wet or soft ground is a fall hazard, and a gutter that is pulling away should not be leaned on.
Use a ladder on firm, level footing, and have someone steady it when you can. Scoop debris out by hand or with a plastic tool rather than climbing to the far end of the run.
If the gutter is loose, bent or holding ice, leave it alone. A crew can clear it and re-fasten it properly, and the estimate will say what the run needs.
Are gutters covered by insurance after a storm?
Coverage depends on your policy and the cause of the damage, and your insurer decides. Photograph bent gutters and any damage to the fascia before anything is changed.
The N.C. Department of Justice advises contacting your insurance company early, since some insurers need an adjuster to approve work before it begins. A written estimate before committing is part of that advice.
The ice storm roof damage page covers the roof side of winter damage, and the insurance claims guide lays out the steps after a storm.