Top Rated Gutters: Services, Costs and How It Works

What is Top Rated Gutters?

Top Rated Gutters is a gutter contractor. Its whole business is the water-handling system on the edge of a roof: the gutters, the downspouts that carry water to the ground, and the guards that keep leaves out. It works on homes and on commercial buildings.

The company's About page says it "was started by a small group of professionals with decades of experience in the home-improvement trades who saw an opportunity to provide a higher level of customer experience in the gutter industry." Several of the market owners came to gutters from house painting: the South Bend owner's bio says painting customers kept asking whether they installed gutters, which is why they "decided to open Top Rated Gutters alongside our friends in the industry."

The core product is the seamless aluminum gutter. Instead of joining pre-cut 10- or 20-foot pieces, the crew brings a forming machine to the house and rolls each gutter run from one continuous piece of aluminum, cut to the exact length of the roofline. The market pages say it forms gutters in 5-inch and 6-inch K-style profiles and recommends 6-inch gutters with larger 3x4 downspouts for steep roofs, big roof areas or heavy tree cover. It color-matches gutters to the trim, and the Marietta page says color matching comes "at no additional charge."

Around that product it offers replacement of old systems, repairs, cleaning, gutter guards, downspout repair and installation, a flat-rate residential tune-up, storm repairs, box gutter repair in Cincinnati, and commercial installation and maintenance contracts.

Who owns Top Rated Gutters?

The site names a co-founder and one owner for each market. Each market page and the About page list the same people:

The Northwest Georgia pages also name Greg, who "personally manages estimates and scheduling" for the Marietta team. Customer reviews on the site mention owners by first name (Colin, Anthony, Dan and Greg), which matches the company's point that calls reach the local team rather than a call center.

These biographies are the company's own. We did not independently check them.

Is Top Rated Gutters a franchise or a national company?

It is a shared brand run by separate local businesses. The site's Terms of Service, the most formal statement on the site, say that Top Rated Gutters® "operates through independently owned and operated local teams" in its five markets, and that "the team serving your address is the party that contracts with you, performs the work, and is responsible for it."

The wording elsewhere on the site varies. Several market pages say "we aren't a franchise call center" and stress local ownership, while one answer on the FAQ page calls it "a multi-location franchise company with locally owned and operated locations." We found no franchise offering on the site. What matters for a customer is the Terms of Service point: your contract and warranty are with the local team for your address, so it is worth knowing which team that is (see below).

Is Top Rated Gutters legit?

Here is what a homeowner can check:

• Named local owners. Each market has a named owner with a photo and a LinkedIn link on the About page.
• Street addresses. The site publishes an office address for each market: Cumming, Woodstock, Juliette, Loveland and South Bend.
• Published reviews. The site says it is "rated 4.9 across 184 Google reviews in 4 states" and shows each market's own figure (see reviews). Its Terms say the reviews shown are real third-party reviews "reproduced as written," that it does not pay for reviews and does not edit their substance.
• Written terms and warranty. It publishes Terms of Service (effective 29 July 2026), a Privacy Policy and a warranty page with what is and isn't covered.

What you can't check from the website: license numbers (none are published), the insurer, and a founding date. If those matter to you, ask the local team for its license details where your state or city requires one, and for a certificate of insurance. The FAQ page says the company "is happy to provide its insurance documentation upon request."

Where does it work, and which team covers you?

Each market has its own owner, phone number, office and Google Business profile. The estimate form routes your request to the right team by ZIP code.

Hours. The contact page lists business hours of Monday to Friday, 8:00am to 8:00pm, and Saturday and Sunday, 9:00am to 5:00pm.

Not sure you're covered? Several market pages say to call with your address so the team can confirm. The form sends out-of-area ZIP codes to the company as well, so you will get an answer either way.

Services, one by one

Materials. Aluminum is what the company installs as standard, and its pages describe "heavy-gauge aluminum and commercial-grade hangers and fasteners." Its general pages discuss copper, steel, vinyl and other materials, and the Cincinnati FAQ quotes steel and copper price ranges, but the service pages don't say every team installs every material. If you want copper, half-round or steel, ask your local team whether it does that work.

How long a job takes. The installation page says most homes "can be completed within a day," and the Marietta page says larger or complex rooflines "may take a day and a half."

Free tools. The site has a gutter size calculator that suggests 5-inch or 6-inch gutters and a downspout count from your roof size, pitch and local design rainfall, with "no email, no sign-up," plus how-to-measure and maintenance guides.

What is the gutter tune-up?

The tune-up is a flat-rate service for the gutters you already have. The company lists three parts:

1. Full cleaning: removing debris, leaves and grime.
2. Re-sealing endcaps and miters (the corner joints) against leaks.
3. Re-securing with hidden fasteners: tightening and adding fasteners.

Booking works in three steps, according to the page: enter your details and pay a deposit online, send your address, and the team contacts you 24 hours before arrival by text, phone and email. "Most jobs are completed 1-2 weeks from deposit." The page does not print the flat rate, so check it at the booking step or call.

The tune-up is for residential properties only. Commercial buildings are quoted separately. A short video of a tune-up from the Northeast Georgia team is linked on the page.

Commercial gutter work

The company says it works for medical facilities, schools, gyms, hospitality businesses, property managers, churches, retail, offices, warehouses and multi-family properties. Commercial services listed include:

• Oversized seamless systems: the Cumming page mentions 6-inch and 7-inch commercial-grade aluminum and box gutters for flat and low-slope roofs.
• Commercial gutter guards (micro-mesh and heavy-duty screen).
• Scheduled maintenance contracts on a quarterly, semi-annual or annual basis.

The Northeast Georgia page says the team has completed projects spanning 20-building complexes and coordinates with property managers. For commercial quotes, the tune-up page gives an email address, scotts@topratedgutters.com, alongside the commercial services page.

Fall and winter services

The site has a seasonal page that orders fall work the way a home needs it: cleaning as the leaves drop, the tune-up before freezing weather, guards before leaves and snow, repairs before freeze-thaw cycles, replacement before winter, and commercial maintenance on a schedule.

It also lists the National Weather Service's average first-freeze dates for each market, so you know your deadline: about 17 October for South Bend, 25 October for Cincinnati, mid-October to November across northeast Georgia, 11 November for Macon and 13 November for Atlanta. The page notes these are averages, "not forecasts."

How much does Top Rated Gutters cost?

Top Rated Gutters does not publish a fixed price list. Its Terms of Service say any price range on the site "is illustrative only, it is not an offer," and that "a binding price exists only once we have provided a written quote for your specific property and you have accepted it." Estimates are free.

That said, the site publishes a lot of typical ranges in its cost guides and market FAQs. These are the figures we found on 19 October 2026:

The ranges differ a little from page to page (the guides are written as general homeowner information, and some describe the wider market rather than the company's own pricing), so treat them as a rough budget. The things the company says move the price are linear footage, the number of stories, roofline complexity (corners and miters), downspout count and routing, removing old gutters, fascia repair, 5-inch versus 6-inch gutters, and guards.

What a quote should cover. The FAQ says a complete quote should list materials, labor, clean-up, removal of old gutters, the gutter profile, size and material, and whether downspout extensions and a fascia inspection are included. The market pages promise "detailed written estimates before any work begins" with "no hidden fees."

If the job grows. The Terms say that if conditions the team couldn't see at quote time change the work (rotted fascia behind old gutters is the usual one), it will tell you before continuing and let you approve, change or cancel the extra work.

Financing, payment and discounts

• When you pay. "Unless your quote says otherwise, payment is due on completion of the work" (Terms of Service). The tune-up is the exception: it is booked with an online deposit.
• Financing. The financing page describes monthly payment plans, possible 0% promotional interest periods "for qualifying customers," and no prepayment penalties. Financing covers installation, replacement and gutter guard projects. The Terms say financing "is provided by a third-party lender on that lender's own terms, and approval is theirs to give." The lender is not named; ask during the estimate.
• Military and veteran discount. The Central Georgia team offers a discount to active-duty service members, veterans, reservists and military families, including the Robins Air Force Base community. The amount is not published; ask when you call (478) 200-7246. The site does not say whether other markets offer it.
• Insurance claims. For storm damage, the FAQ says the company "can provide documentation of damage to support your insurance claim." Whether your policy pays is between you and your insurer.

How it works, step by step

1. Ask for an estimate. Use the form on the home or contact page (your ZIP code routes it to your local team), or call your market's number. The contact page says "most estimates are scheduled within 48 hours."
2. Or send a video. The company offers a phone option: scan a QR code, record a short video of your gutters, downspouts and exterior, and share it through the app. The Marietta team also quotes many standard jobs from photos and says it can "often provide an estimate the same day," confirming details on site before work starts.
3. On-site estimate. An estimator measures the roofline, checks the condition of the existing gutters and fascia, and recommends a size and layout. The Cincinnati page says you usually get a written quote "within 24 to 48 hours of your call." There is no obligation.
4. Accept the written quote. This is the binding price. If you want financing, raise it here; approval comes from the lender.
5. Scheduling. The financing page says jobs are often scheduled "within a week or two"; the Northeast Georgia and Marietta pages talk about same-week scheduling, weather permitting. Peak seasons (spring and fall) can be slower, per the FAQ.
6. Before the crew arrives. The Terms ask you to give safe access to the exterior, gates and driveway, and to move vehicles and fragile items away from the drip line. Work may be rescheduled for rain, ice, high wind or lightning.
7. Installation day. The crew forms the seamless gutters on site, hangs them, sets the pitch and downspouts, and cleans up. Most homes are done in a day.
8. Pay and keep the paperwork. Payment is usually due on completion. Keep your quote and invoice: they set the warranty terms.

Cancelling. You can cancel or reschedule a booked appointment by calling your local team; the Terms ask for as much notice as possible. No cancellation fee is published.

Warranty and guarantees

The warranty page says Top Rated Gutters offers "a LIFETIME material and labor warranty on all gutter and gutter guard installations." In detail:

• Material warranty covers: gutter breaks, gutter sagging, proper draining and performance, and leaks.
• Material warranty does not cover: failure from lack of cleaning, maintenance or general neglect; acts of nature such as hail, high winds and tree branches; failure due to rotted wood on the home; and the gutter finish (chalking, fading or staining over time).
• Labor warranty: lifetime labor, "which includes free at-home service for a period of 2 years. After the 2 year period, a $99 service charge applies for service visits."
• Who it covers: "The Limited Lifetime Warranty applies to qualifying products as long as the original purchaser owns the home."

The Terms of Service add that manufacturer warranties on materials pass through to you on the manufacturer's terms, and that the warranty does not extend to damage from storms, falling limbs, ice, roof or fascia failure, settling, pests, other trades working on the building, or anyone else modifying, cleaning or repairing the system. Separately, the site promises a "100% satisfaction guarantee" on its services. The FAQ says warranty terms "may vary by location and product type" and are given in writing with your estimate, so read the version on your own quote.

Licensing and insurance

The site describes every team as "licensed and insured" and says each carries liability insurance and workers' compensation coverage. The company does not publish license numbers or the name of its insurer, and we did not find a state license record to quote. Gutter work rules differ by state and city, so ask your local team what license or registration applies where you live and request a certificate of insurance before work starts. On permits, the site's FAQ says most residential gutter jobs don't need one, but some localities do (for example, for drainage tied into underground lines), and the contractor should know the local rules.

What do customers say?

The site reports its Google review figures by market. When we checked on 19 October 2026 it showed:

These are the company's own displayed figures; each review card links to the original on Google. Themes in the quoted reviews are on-time crews, clear communication, clean-up, and price. One Cincinnati reviewer wrote that the company "was less than half the price of the other two" quotes she got. A single review is one person's experience, so read a few in your own market before you decide.

How it compares with other options

Who it suits, and who should look elsewhere

Questions to ask before you hire

1. Which local team will do my job, and is that the company I'm contracting with?
2. Is the quote itemized: gutter size and gauge, linear feet, downspouts, removal, fascia repair, guards?
3. What license or registration applies in my city, and can I see your certificate of insurance?
4. Will you install 5-inch or 6-inch gutters here, and why?
5. Which gutter guard do you recommend for my trees (pine needles behave differently from leaves)?
6. What exactly does my written warranty say, and what does a service visit cost after two years?
7. If I finance, who is the lender and what are the terms?
8. What is the current tune-up flat rate and deposit?

How to get started

1. Find your market on the contact page and call that team, or fill in the estimate form with your ZIP code.
2. If you'd rather not book a visit first, use the video option on the services page.
3. Read the warranty and terms before you accept a quote.
4. For an existing system, look at the gutter tune-up; for commercial property, the commercial page.

Visit Top Rated Gutters

Terms you'll see on the site

• Seamless gutter: a gutter run formed on site from one continuous piece of aluminum, with joints only at corners and downspouts.
• Sectional gutter: gutter sold in pre-cut lengths (often 10 or 20 feet) and joined with connectors.
• K-style: the most common gutter profile, flat-backed with a decorative front; sold in 5-inch and 6-inch widths.
• Half-round: a rounded gutter profile often used on historic homes.
• Box gutter: a gutter built into the roof structure rather than hung from its edge, common on older homes.
• Fascia: the board along the roof edge that gutters are fastened to.
• Miter: a corner joint where two gutter runs meet.
• Hidden hanger: a bracket inside the gutter that fastens it to the fascia.
• Micro-mesh guard: a gutter guard with a very fine mesh that blocks small debris such as pine needles.
• Reverse-curve (surface-tension) guard: a solid cover that lets water follow its curve into the gutter while leaves slide off.
• Ice dam: a ridge of ice at the roof edge that traps meltwater behind it.

Frequently asked questions

Sources

All pages checked on 19 October 2026.

1. Top Rated Gutters, home page: topratedgutters.com
2. About Top Rated Gutters: topratedgutters.com/about/
3. Contact and hours: topratedgutters.com/contact/
4. Services: topratedgutters.com/services/
5. Service pages: Gutter Installation, Gutter Replacement, Gutter Repairs, Gutter Cleaning, Gutter Guards, Seamless Gutters, Gutter Tune-Up, Commercial, Emergency Gutter Repair, Fall & Winter Services
6. Market pages: Cumming / Northeast Georgia, Marietta / Northwest Georgia, Atlanta, Central Georgia, Cincinnati, South Bend, Indiana, Michigan
7. Cost guides: Gutter Installation and Replacement Cost Guide, Gutter Installation Cost
8. Financing and payment options: topratedgutters.com/gutter-financing/
9. Warranty: topratedgutters.com/warranty/
10. Terms of Service (effective 29 July 2026): topratedgutters.com/terms-of-service/
11. FAQ: topratedgutters.com/faq/
12. Reviews and projects: Testimonials, Projects
13. Gutter size calculator: topratedgutters.com/gutter-size-calculator/