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Yes, and repairing such damage is another repair that’s done often. Sagging gutters are usually the result of one of two things: damage or overload. For example, ice buildup over the winter due to clogged gutters can cause expansion, stretching the gutters. A falling tree limb or even a rogue baseball can cause gutters to sag. Sagging gutters can be repaired, but they are often replaced because it can take less time.

Yes, any part of the home where wood meets water is susceptible to wood rot. This includes underneath sinks, decks, windowsills, window frames, basements, attics, and eaves, among other locations. Conduct regular inspections of these areas to spot the beginning stages of wood rot. Even the wood under roof shingles can rot and affect other areas.

How long it takes wood to rot can range from as little as a few weeks in poor conditions to as long as 40 years if properly maintained. Protecting pressure-treated wood against moisture is the best way to prevent rot—wood exposed to water for extended periods of time is more prone to rot. Wood used outdoors on decks and porches is more likely to rot due to the elements, so re-seal pressure-treated wood every two to three years to maximize protection.

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.