Common Causes of Damage That Aren't Covered by Insurance

One of the most important things to understand when it comes to insurance claims is what is covered and what is not. Many people wrongly assume that all types of damage are covered by their insurance policies. Unfortunately, that is not always the case. In this blog post, we'll discuss some of the common causes of damage that may not be covered by insurance. We'll also give you some tips on how to avoid these types of damage and protect your property.

1. Gradual damage

Gradual damage is damage that occurs over time. This includes things like leaky pipes, slow water damage, rust, and corrosion. Unfortunately, most insurance policies do not cover gradual damage. It is important to have regular inspections and maintenance on your property to catch these types of issues early on and avoid costly repairs.

2. Flood Damage

Most homeowner's insurance policies do not cover flood damage. If you live in an area prone to flooding, you should consider purchasing flood insurance to protect your property. This type of insurance is usually offered by the National Flood Insurance Program.

3. Earthquakes

Earthquake damage is not covered by most standard homeowner's insurance policies. If you live in an area prone to earthquakes, you should consider purchasing earthquake insurance to protect your property and belongings.

4. Poor Maintenance

Insurance companies may deny a claim if they determine that the damage was caused by poor maintenance. It's important to keep up with regular maintenance and repairs on your property to avoid any potential issues.

5. Wear and Tear

Normal wear and tear is not covered by insurance. This includes things like paint chipping, carpet wear, and appliance breakdowns. It's important to keep your property in good condition and replace things that are showing signs of wear and tear before they cause any damage.

Conclusion

It's important to understand what is and is not covered by your insurance policy. This can help you avoid any unpleasant surprises when it comes time to file a claim. By being proactive and taking care of your property, you can avoid many types of damage that are not covered by insurance. If you do experience any damage, be sure to contact a professional loss adjuster in Orlando, FL, like Five Star Claims Adjusting to help you with your insurance claim. They can help you navigate the claims process and get the best possible outcome for your situation.