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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

Wood rot is not normally covered by insurance except in rare cases when it results from a covered event like a burst pipe. Wood rot is categorized as gradual, preventable damage, so most insurance policies won’t pay for claims to repair wood rot damage. Check your policy to find out if wood rot is covered before making a claim. 

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.

Yes, wood rot spreads and causes damage due to fungi. All forms of wet rot caused by fungi spread throughout the frame and door, but they’ll stop when encountering non-wood materials. Dry rot, on the other hand, spreads throughout the area to wood with porous openings to accept the spores.