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The cost to replace or install gutters comes down to the size of your roof, the material costs, and the cost of labor in your area. If your homeowner’s insurance pays for roof replacement, this will affect your budget tremendously. Make sure you check, though, as homeowners insurance policies rarely cover regular environmental wear and tear. A policy is also unlikely to cover damage from earthquakes, mold, mildew, animals, pests, or improper installation.

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