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Does Home Insurance Cover Normal Wear and Tear?

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No, homeowner's insurance never includes coverage for normal wear and tear. Typically, homeowner's insurance policies are intended to protect against abrupt or accidental damage or natural disasters. Normal deterioration over time can be accelerated by policyholder neglect.

Homeowners insurance protects you financially against various potential sources of damage, known as perils in your policy. Typically, dangers are abrupt or inadvertent, such as burst pipes, automobile damage, and home invasions. Numerous are also natural phenomena, such as tornadoes, hurricanes, and volcanic eruptions.

Wear and tear are generally not covered by insurance policies. In reality, damage from normal wear and tear is frequently specifically excluded. You may find a clause in your insurance that excludes coverage for "wear and tear, marring, and degradation."

Insurance policies don't cover damage caused by normal wear and tear because it is frequently too ambiguous to detect and not the insurer's obligation. Your property's features and buildings are not permanent. Siding deteriorates, roofs deteriorate, pipes corrode, stucco crumbles, etc.

As almost everything expires or degrades over time, your insurance carrier will not simply pay for replacements. Your provider is not responsible for replacing old equipment, only broken ones.

In addition, insurers anticipate that policyholders will do routine maintenance on their properties. If an object is ignored, its usable lifespan can decrease faster than intended. An air conditioner, sump pump, septic tank, etc., can cause substantial property damage if not maintained.

If the damage could have been avoided with routine maintenance, your insurer would not cover it. The damage should be surprising to some degree; failing to maintain your home can result in predictable and preventable damage that your insurance company will not cover.

Your insurer will not cover anything just because it has approached the end of its useful life, particularly if policyholder negligence played a role. There must be proof of damage.

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