For most people, a home is the most valuable possession they own. It, therefore, follows that they will want any damage to their valuable possession compensated. However, not everything that happens to your house is reason enough to file a claim. Below, get an idea of what deserves a call to your insurer and what doesn’t.
This will depend on what caused the damage. If you or another member of the family damaged the window due to negligence then you may not have the grounds to file a claim. However, if the window broke due to age, impact from flying objects or dilapidation due to nearby public works, then you may have reason to file a claim.
Roof leak repairs can be compensated by your insurer if such a type of damage is included in your coverage. However, you should evaluate how much such repairs would cost. If the cost is little, it might be easier (and wiser) for you to just foot the bill directly as opposed to involving your insurer.
This will depend on what caused the flooding. As a homeowner, you are supposed to maintain your property well. If the leak is due to old pipes then the fault falls on you. However, if the flooding is due to an accident that is not related to maintenance (e.g. fire), then you could file a claim.
Hurricanes cause widespread damage to large areas along the coast and even inland. Unfortunately, basic homeowners’ insurance policies do not cover properties against these violent storms. The only way you can file a claim for this is if you have additional coverage protecting your property against natural disasters.
Physical injury caused by the garage door
You could get injured by your garage door while trying to operate it. If the injury is genuine and accidental, you may have grounds to file a claim. However, if you were fooling around with the door or handling the door irresponsibly, you will have to cater to the accruing costs yourself.
Who wouldn’t like a new modern kitchen to make the neighbors jealous? Renovations are pricey and it would be great to have the insurance company foot the bill. Unfortunately, this is not going to happen. Your insurer will hardly pay for this because it’s not a risk.
Damage caused by falling tree
Trees do fall on houses, causing great damage that ranges from property damage to property fires and personal injury. If the tree fell due to a storm or lightning, you can only file a claim if you have a cover against natural disasters. However, if the falling tree was caused by other accidental factors, such as the neighbor’s car ramming into the tree, then you may file a claim.
Vandalism does still occur and it could cost you lots of money in paint and labor fees. Luckily, vandalism is covered in property insurance so you should file a claim so long as you had put in place measures to safeguard your home against intruders.
As you can see from the above, each case is unique and could have a different outcome depending on minute details. Not sure if you should file a claim for that? Contact your insurer and find out!
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