Neglect and Homeowners Insurance

Neglect and Homeowners Insurance

The purpose of homeowners’ insurance is to help protect homeowners from losses and property damage due to covered calamities. Home insurance is actually a series of coverages that includes the main dwelling, outbuildings, personal property, and liability. Homeowners’ insurance is not intended to cover normal wear and tear, and it certainly is not designed to cover damage due to owner neglect. Here is a quick look at some examples where claims may be denied due to neglect.

Falling Tree

It is likely that damage caused by a falling tree during a storm will be covered under a home insurance policy. If that tree, however, has been diseased and leaning over a neighbor’s home and that fact was known in advance, that could be considered neglect. Diseased or dangerous trees should be removed as a part of home maintenance.

Rotting Fencing

Sure, a wooden fence that is blown down by wind or damaged when a car drives through it may be covered. A neglected fence that is rotted, rusting, or otherwise in disrepair may not be. Again, a homeowner is responsible for normal repair and replacement of aspects of their home, and neglect is not sufficient cause for a claim.

Roofing

Roofs that have been damaged by storms are likely to be covered at least on some level. Some companies are moving to prorated coverage for roofing based on the expected lifespan of the roof and how long it has been in service. If a roof has been neglected and leaks go unattended, coverage could potentially be denied.

Home insurance is not intended as a replacement for routine home maintenance. It is important that homeowners keep properties well maintained and repaired.

If you have questions about home insurance and what is and isn’t routinely covered, please feel free to give us a call. As independent insurance agents, we are qualified to review home insurance policies issued by any company. If you like, we can then search our network of companies to find coverage to suit your situation and your budget. Reach out to us today and get started.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

From Cutting-Edge to Clutter: Modern Antiques Hiding in Your Home

Uncover the surprising “antiques” in your tech drawer.

Unlocking Customer Loyalty with Smart Data

Turn customer data into your business superpower.

Is There an Age Limit for Life Insurance? Understanding Your Options

The truth about age and life insurance eligibility.

5 Automotive Icons That Sounded Destined for Greatness

Uncover the powerful names behind legendary cars.

7 Surprising Facts You Didn’t Know About Home Insurance

Unexpected insights into the world of home and renters insurance.

Still Living in the Stone Age? 7 Signs You’re Resisting Technology

Uncover your tech resistance and unlock modern convenience!

Beyond the Basics: 3 Unexpected Ways Business Insurance Protects Your Company

Unlock hidden benefits of smart business insurance.

Uncovering Life Insurance’s Most Intriguing Questions

Dig deeper into life insurance with these uncommon questions.

Beat the Pump: 5 Smart Ways to Slash Your Gas Bill

Easy tips to save big on gas and car costs.

Decoding Your Home Insurance Bill: Factors That Matter Most

Uncover the hidden factors shaping your home insurance bill.