Homeowner's Insurance: What You Think is covered but isn't
Have you ever taken the time to actually ready your homeowner's insurance policy? Chances are that you haven't - why would you? Just legal jargon, correct?
Unfortunately not and we don't want that to surprise you after a costly and painful loss at home. Read below to understand the key differences between what is covered and what isn't. Or more importantly, when it's covered and when it isn't...
Unfortunately not and we don't want that to surprise you after a costly and painful loss at home. Read below to understand the key differences between what is covered and what isn't. Or more importantly, when it's covered and when it isn't...
Understand the Key Differences Between What Is Covered When
When Disaster Strikes: Why Your Home’s Biggest Threat Might Be Neglect
The conditions leading can be just as critical as the loss itself. Insurance companies believe that you are responsible for general maintenance and upkeep of your property including getting up on your roof, going into crawl spaces and everything in between
What does this mean? It means slow leaks from your roof, pipes, water heater are your responsibility - only sudden leaks are covered. If your skylights weren't properly flashed, soffits are dislodged, or siding rots, you are likely out of luck. Yes, even climbing onto your roof is part of the expectation.
How about animal damage? Unless a bear or a moose rams your house, you're on your own. Issues like infestations or squirrels chewing through attic wiring? Not covered. Rewiring your home due to a squirrel "party" can cost you dearly.
Then there's rot and mold - silent disasters that insurance won't touch. While surface-level rot or shingles may seem minor, hidden damage like rotted beams and mold growth beneath then surface can lead to massive, uncovered losses. Never underestimate "small" signs of decay.
What does this mean? It means slow leaks from your roof, pipes, water heater are your responsibility - only sudden leaks are covered. If your skylights weren't properly flashed, soffits are dislodged, or siding rots, you are likely out of luck. Yes, even climbing onto your roof is part of the expectation.
How about animal damage? Unless a bear or a moose rams your house, you're on your own. Issues like infestations or squirrels chewing through attic wiring? Not covered. Rewiring your home due to a squirrel "party" can cost you dearly.
Then there's rot and mold - silent disasters that insurance won't touch. While surface-level rot or shingles may seem minor, hidden damage like rotted beams and mold growth beneath then surface can lead to massive, uncovered losses. Never underestimate "small" signs of decay.
Some of the things that likely aren't covered.
- Slow leaks from pipes, roofing, rot, and foundation cracks
- Damage caused by roof with moss, leaves or curled shingles
- Basement water damage - unless you have specific flood insurance. If you have a sump pump, make sure you have coverage and test it
- Rot of any kind and rot spreads dangerously, especially behind vinyl and clapboards
- Overflow, icicles and falls from clogged gutters
- HVAC system failures due to lack of maintenance or old age
- Deck and porch collapse due to rot and other structural issues
- Skylight leaks from improper installation or upkeep
- Frozen pipes due to lack of insulation
- Chimney damage due to mortar cracks or missing caps unless the chimney has been regularly maintained
- And more...
Prevention and Timely Intervention
Our experienced professionals are adept at identifying potential problems before they escalate. Early detection of issues such as leaks, electrical problems, or pest infestations allows us to address them promptly, minimizing potential damage and expenses.
Weather and Seasonal Preparedness
Depending on the time of year and location, different weather conditions can pose threats to your home. From ensuring proper insulation and HVAC system maintenance to safeguarding against storms and extreme temperatures, we proactively prepare your property for changing seasons.
When a loved one makes the decision to age in place, their home should be updated to ensure their safety and comfort. Aging in place home modifications may feel overwhelming, but with help, they can provide peace of mind that your loved ones are safe.
When a loved one makes the decision to age in place, their home should be updated to ensure their safety and comfort. Aging in place home modifications may feel overwhelming, but with help, they can provide peace of mind that your loved ones are safe.
Security and Peace of Mind
With our regular inspections, your property remains a less enticing target for unwanted attention for animals, rot, mold.
Property Value Preservation
Routine service help maintain the condition of your home. By addressing maintenance needs promptly, your property retains its value and appeal and saves you from bigger expenses.
Let us take care of and maintain your home!
