I recently received an inquiry from a home owner who, following a recent hail storm, had his gutters damaged. He asked if he should seek having his insurer pay to have them painted or replaced.
Although aluminum gutters can be repainted, this will become a process that will have to be repeated again and again over a period of time. Even while the original surface will change color or become dull over time, the original surface is baked on and will not peel or crack, as will paint. Painting gutters is, over time, the most expensive and least effective option.
This also applies to metal siding.
A home owner’s insurance policy entitles that the home be restored as close as possible to the condition that it was prior to the loss event. Painting a gutter or metal siding does not accomplish this. Replacing it, does.
Copyright 2013 James H. Bushart