Home Insurance and Maintenance
Why This Matters
Insurance covers sudden damage, not lack of maintenance. Understanding the relationship prevents denied claims.
What You Should Do
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Document maintenance — Keep records of HVAC service, roof inspections.
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Insurance doesn't cover wear and tear — 30-year roof that fails isn't covered; storm damage is.
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Notify insurer of major changes — Additions, pools may affect coverage.
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Review coverage annually.
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Prevent common claims — Most are water damage; maintain plumbing, gutters, roof.
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Consider additional coverage — Flood, earthquake, sewer backup aren't standard.
When to Call a Professional
Having documentation of regular maintenance strengthens claims. Many insurers offer discounts for documented professional maintenance, security systems, and impact-resistant roofing.
The Bottom Line
Staying ahead of general home services maintenance saves money and prevents emergencies. Search our directory for a trusted general home services professional.
