Maintain your property to protect your insurance validation
Even if your home is adequately covered for weather damage, you risk being ineligible to make an insurance claim if you do not maintain the property to an acceptable standard.
Research carried out in 2003 by Which found that one in ten home insurance customers who made an insurance claim in the previous two years had it fully or partially rejected.
In order to reduce the chances of any future claim being invalidated or rejected, you should make sure that your building is maintained to an acceptable standard, otherwise the insurance company may have a valid reason not to pay out.
Some policy holders incorrectly believe that their insurance policy is a maintenance contract whereby any issue with their property can be resolved by putting in a claim to their insurance company with the expectation that they will pay out, or by dishonestly using events such as the recent storms as a screen to put in a claim such as to repair a wear and tear issue with their property that was obviously evident pre-incident.
From chimneys, roofs and guttering to plumbing, heating and electrics, regular maintenance inspections and prompt repair of any defects noticed will help keep your repair costs to a minimum. If neglected they may lead to more expensive repairs.
If you have any questions or require some free related advice then please do not hesitate to contact us.
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