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
Read More Blogs
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.
Peace of Mind at Home: Building Your Essential Supply Stockpile
Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.
Faded Glory: Remembering the Sports That Once Ruled Our World
Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.
Shielding Your Dream: Essential Insurable Risks Every Small Business Faces
Protect your small business! Understand key insurable risks like liability, vandalism, theft, employee injuries, and business interruption, and how insurance can help.
Finding Your Financial Foundation: Understanding the Minimum Life Insurance You Need
What’s the minimum life insurance you really need? Learn about covering final expenses, debts, and providing immediate financial relief for your family.
The Century-Long Rumble: The Epic Rivalry Between Ford and Chevy
Relive the classic Ford vs. Chevy rivalry, from the Model T era to the Mustang vs. Camaro showdown and today’s truck dominance.
Living Large: Peeking at the United States’ Most Outlandishly Expensive Homes
Explore the incredible world of ultra-luxury real estate with a look at some of the most expensive homes recently sold in the United States.
Curious Origins: Unraveling the Stories Behind Everyday Phrases
Uncover the surprising stories behind everyday phrases like “holy Toledo,” “crocodile tears,” “jaywalking,” and more!