Did you know- water damage is the leading cause of home insurance claims, accounting for more damage than fire and theft combined. In fact, a recent study determined the average cost of a flooded basement in Canada to be $43,000. Gutters and downspouts are one of your home’s silent heroes. One inch of rainfall on an average roof generates over 7,000 litres of water; all of which must be moved away from your premises to avoid flooding or water damage. But, how often should you maintain the system? And, what should you do if something goes wrong? Here’s everything you need to know.
When a home is built, the excavation process results in a potential problem. The earth surrounding your property isn’t as compact as it was prior to the home’s existence. So, in heavy rainfall, water can filter through the soil and exert pressure on your basement walls and foundation. In some cases, you’ll experience a flooded basement. In extreme instances, the structural integrity of the foundation could be compromised. Gutters and downspouts are part of an overall rainwater management system designed to prevent flooding or moisture problems.
A gutter (or eavestrough) is a pipe that’s attached to your home’s fascia, perpendicular to the roof. It’s designed to capture water that falls onto the property. Pipes are usually made from metal or plastic and sit at a slight angle in order to direct the flow of water towards a downspout.
While the gutter sits horizontally, as the name suggests, a downspout sits vertically, carrying rainwater to ground level. In most cases, water is discarded either in a municipal drain or far enough from the property that it won’t compromise the foundation. However, to reduce your overall water consumption, it can be a great idea to collect this rainwater for use in your landscaping. Check out our article on rain barrels for more information.
Several different styles of gutters and downspouts exist, including half-round, U-shaped, K-style and fully enclosed.
Pipes also come in a variety of materials. Wood requires the most maintenance, while vinyl is easy to install, but has a shorter lifespan than metal. Vinyl is also prone to cracking in cold weather, so may not be the best option for most of Canada. Aluminum and coated steel are both sturdy and inexpensive. Aluminum is the most popular choice for gutters and downspouts as, unlike steel, it won’t rust. Copper and zinc require more up-front investment, but can last up to 100 years without needing replacement.
For more information on the best system for your home, check out this buyer’s guide from Aerotech.
This varies depending on the type of material used. Proper installation and regular maintenance also affect the lifespan of your gutters and downspouts. Here are some estimates from the International Association of Certified Home Inspectors:
Most systems require very little maintenance for the pipes themselves, but it’s essential to clear both the gutters and downspouts of debris frequently to ensure they remain effective in heavy rain. We recommend doing this twice per year; once in spring and once in fall.
Cleaning gutters and downspouts is quick and easy, though if you’re uncomfortable with heights, contact a professional to do the job for you. Here’s what you’ll need to do:
While you’re there, check the seal that attaches the pieces of your gutter together. If you notice any leaking, you may require additional sealing using a gutter-specific sealant.
But, leaking isn’t your only concern. If ignored for substantial periods of time, the organic matter that collects in your gutters makes a perfect breeding ground for mosquitoes, termites or plants. So, keep an eye out for any insect damage, too.
For more information on preventative maintenance, check out this article from This Old House.
Aside from the leaking and clogging already mentioned, here are a few things to watch out for:
Damaged or improperly installed gutters can lead to extensive water damage, so home insurance providers may inquire about their condition during the quote process. If you have an older home, your provider may request photos before they’re willing to issue a policy. For more information, contact Square One at 1.855.331.6933. Or, click the button below to get a free quote in just 5 minutes.
Even when you take precautions, accidents can happen. Home insurance is one way to protect your family against financial losses from accidents. And, home insurance can start from as little as $12/month.