A common misunderstanding that most people have is that your insurance policy is also a maintenance policy. Unfortunately that’s incorrect. While your homeowner’s insurance protects you against losses like, fire, wind, water damage, theft, hurricanes, etc. Regrettably, wear and tear is NOT a covered peril. In fact, the insurance company has the authority to cancel your insurance policy if you neglect to maintain your property.
For instance; your roof is getting old and starting to show signs that it has reached the end of its life. You get the idea to call and file a homeowners insurance claim, and are surprised to learn that your claim is denied. This is a common misconception; unfortunately wear and tear is NOT a covered peril.
There are a number of benefits for maintaining your home. Exceptional home maintenance will add value to your home, improve energy efficiency and add to your homes curb appeal. Your home is one of the largest investments you will make in your life time; as a homeowner it’s your duty to protect that investment. Now is time to review your home maintenance check list to ensure you are prepared for the rainy season.