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Yes, it’s possible to replace only one section of a gutter, and it’s a common repair. Often, a tree limb will damage a gutter on one side of the house, or constant weather will cause early corrosion. Gutters are often joined together with couplings that are easy to remove and swap out. For this reason, some homeowners will purchase extra gutters when they install them to have spare sections to use for replacement later.

You can stop wood rot in its early stages by fixing the moisture problem that led to it, treating the wood with a fungicide, filling weak spots with an epoxy wood filler, and sealing the wood against future moisture. Depending on the extent of the damage, already rotted wood may need to be replaced if it’s no longer structurally sound.

There are a handful of things you can look for to determine if you need to pay for gutter repairs, including the following:

• Water leaking from the underside of your gutters during rainfall

• Visible gaps between your gutters and your roof

• Frequent issues with gutters overflowing or holding standing water

• Gutters that sag or pull away from the house

• Water damage to soffits, fascia boards, or other building materials

• Mold growth on your exterior walls

• Soil erosion underneath your roof overhang

• Foundation leaks or inward bowing of foundation walls

Most homeowners insurance policies won’t pay for the removal of dead, rotting trees. That’s because insurance is intended to protect you from sudden, unexpected accidents. So if a tree is sick, dying, neglected, or rotten but is still standing and hasn’t caused any property damage, it’s unlikely your insurance will cover the cost to have it removed.