Homes need to be properly maintained and cared for. The maintenance of your property is typically required of you in the insurance contract.
What Happens if There is a Failure to Maintain the Property?
One of the first things that an adjuster will look at in investigating a claim is whether the damage is due to the actions (or inactions) of the homeowner. This can be the case if the property is older and appears to have fallen into disrepair.
Home insurance covers damage that is unexpected, not damage that could have been prevented with upkeep. This is because homeowners generally have a duty to mitigate the damage.
Homeowners also do not realize that if they do not properly maintain their property, the insurance company could cancel their policy.
The moral of the story: comply with the conditions of your policy!
Things That Homeowners Should Consider
1. Corroded Pipes
Water damage can lead to very expensive and extensive repairs. The plumbing system can be a major cause of water damage in homes. The system requires proper maintenance. It is important to follow plumbers’ recommendations and not cut corners. Insurance companies can be very hesitant to pay out on water damage–but our firm has had victories with this.
2. Leaky Roof
Roofs generally need to be regularly inspected and maintained. Without this, homes can suffer water damage. In the event that damage results from an improperly maintained roof, the insurer may not approve a claim for damages.
3. Broken or Uneven Stairs
Stairs that have not been maintained can be seriously dangerous. If the stairs are cracked, uneven, or rotted, people could trip and fall. A fall from the stairs can be devastating.
4. Rusty or Failing Fences and Gates
Depending on what materials are used, fences may not last very long. Wood fences, in particular, especially if they are not properly treated, can rot. This will affect the stability and safety of these barriers. Poorly maintained fences can fall on or cut guests on your property. Fences that are unstable may not serve as effective barriers to keep children or animals out of your property.
Speak to a Homeowners’ Insurance Attorney
Contact our office today at 321-415-9012 to speak with one of our homeowners’ insurance attorneys if you would like to discuss the particulars of your situation. We present the material contained on our website and pages, including this Blog, for general informational purposes only. It does not constitute the rendering of legal advice and does not create any attorney-client relationship. If you need legal or other professional advice, you should consult with legal counsel about your particular facts and circumstances. Contact us to see how we may be able to fight for you!