At The Owens Agency, LLC, serving the greater Waldron, AR area, we are often asked questions about homeowners insurance. More specifically, people want to know why their home insurance claims may be denied and what role home maintenance plays in denials. We believe in informing and educating potential customers. Here is what every homeowner should know about home maintenance and home insurance claims.
It is critical that you properly care for and maintain all of the elements of your home, including things such as the roof, siding, your foundation, and plumbing. If you file a homeowners insurance claim, an adjuster may come out to evaluate the damage done to your home. One of the things that they will look for as they evaluate the damage is what condition the damaged part of your home is in and whether that element was adequately maintained.
If the adjuster determines that the element of your home that is damaged was not adequately maintained or was damaged due to a lack of maintenance, they reserve the right to deny your claim. Always carefully read over your policy documents to learn more about the maintenance requirements for your home and what your rights are if you dispute the findings that the element that was damaged was not adequately cared for or maintained.
When you are looking for a new home insurance policy, The Owens Agency, LLC, serving the greater Waldron, AR area, would love to help you find the right policy for your situation. Contact us today to schedule an appointment to sit down with us and discuss your home insurance needs.