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When you are a homeowner, you probably realize that having homeowner's insurance is a necessity, but you might not understand exactly what your policy covers. One question some people have about home insurance is whether it covers wear and tear on a house. Wear and tear is something that is normal with homes, and there are several things you should understand about your home insurance and wear and tear on your home.
Home insurance does not cover wear and tear
Wear and tear is a term that refers to the normal problems that you face with your home due to using it. For example, wear and tear can refer to stains in your carpet, dings in your walls, and damage to your roof simply from age.
Wear and tear happens to every home and can occur in many ways, and you should realize that homeowner's insurance does not cover the costs needed to repair things that are worn-out or damaged from normal wear and tear.
For example, if your roof is 30 years old and is completely worn out, your home insurance will not cover replacing it. A roof will almost always be worn out after 30 years, and this happens simply from normal wear and tear.
Home insurance may not cover claims that were a result of a lack of maintenance
The second thing to understand about wear and tear is that there are problems that your homeowner's insurance might normally cover but will not cover if they occurred from a lack of maintenance to your home.
For example, if you leave a dead tree in your yard, even though you know it is dead, your home insurance probably would not cover the costs of repairing your house if the tree fell on it. If the tree was not dead when it fell, and if you had maintained the tree as much as you could, then your home insurance would likely cover the costs for repairing your house if the tree fell on it.
As a homeowner, it is your responsibility to keep up with the normal repairs your house needs, and your insurance company will assume that you are doing this.
You should always have homeowner's insurance if you own a house, even if the house is paid off, and you may want to update your policy each year to reflect any changes you make with your home or that you go through in life. For more information, contact a homeowner's insurance company such as Ideal Insurance Agency.Share
27 May 2019