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 includesย 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.ย 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
Search All Blogs
Read More Blogs
Beyond the Funeral: 9 Reasons Why You Need More Life Insurance Than You Think
Life Insurance: Not Just for Buryin’! Unexpected Costs You Never Knew Were Covered
New Car, New Coverage? Navigating the Wild World of Auto Insurance
New Car? Don’t Get Stuck on the Side of the Road with Bad Insurance!
Renters Insurance: Your Secret Weapon Against Disaster (and Burglars!)
Beyond Broken Leases: Why Renters Insurance is Your Best Friend (and How to Get a Great Deal)
Flappers, Flights & Fizzy Fridays: The Roaring Twenties You Never Knew
Dive into the 1920s beyond the speakeasies! Explore the decade’s social shifts, technological marvels, and surprising connections to modern times.
Bundle Up and Save! The Ins and Outs of Business Insurance
Unsure about business insurance? Don’t be! Learn how bundling different coverages protects your company and puts money back in your pocket.
Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security
Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.
Buckle Up for Savings: How Car Safety Ratings Save You Money
Crash Test Your Cash Flow: How Car Safety Ratings Impact Insurance Rates
Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance
Dive into Savings: How Pools Affect Homeowners Insurance (and How to Stay Afloat)
Lights, Camera, Action! Exploring the Real-World Locations of Your Favorite Films
Exploring the Real-World Locations of Your Favorite Films
From PJs to Productivity: Mastering the Work-From-Home Hustle
Ditch the Commute, Keep the Cash: Working From Home Hacks for Peak Performance