• Christy S.

Gutters & Downs: Are You Getting Paid for the Correct Size?

Updated: 2 hours ago

Size matters! You might not think you need to document more than the footage on gutters & downs, but if that’s all you’re doing, you’re missing out on the money you could get.


Adjusters will often just write the scope based on 5 inch gutters & downspouts without realizing they are actually 6 inch. So, if you don’t document the correct size, you’re not going to get reimbursed.


HOW TO DOCUMENT

How do you document this so that you are getting paid the correct amount? Easy, grab your tape measure and pull the tape showing two measurements.


PHOTO 1: from the roof or ladder, show the measurement of the top of the gutter.

photo of gutter measurement from above

PHOTO 2: from the ground, take a measurement of the widest face of the downspout.

measurement of white 4 inch gutter downspout

EXPERT ADVICE

Take our expert advice and take a photo of the gutter & downspout measurement on every job. It’s a good habit to have so you always order the right amount of materials AND so you will have the necessary proof to send to the insurance carrier with your supplement.


NOT CONVINCED IT'S WORTH YOUR TIME?

gutter screwed into drip edge; detach and reset item
For example, this photo shows that the gutters need to be detached and reset.

Let’s look at some things the Elite team can catch from just those 2 photos:

  • Correction to the type of gutters or downspouts

  • Correction to the size

  • Painted gutters or downspouts

  • Gutter Guards

  • Gutters or downspouts that may require a detach & reset if replacement was not approved


XACTIMATE PRICES

The difference between a 100 LF 5” gutter job vs. a 6” gutter job in Xactimate? $400

The difference between a 100 LF 5” gutter job vs. a PAINTED 5” gutter job in Xactimate? $640


scope of loss with detach & reset items highlighted

If you need help measuring gutters and downs on one of your insurance claims or want more information about photo documentation, CLICK HERE to get in touch with Elite Claim Solutions

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