Your homeowner’s insurance is there to help you when disaster strikes, but you shouldn’t use it is a safety net because you’ve failed to do routine maintenance around the house. If you file too many frivolous or avoidable claims, you may end up having to pay more for your insurance coverage. If you’re a repeat offender, you may even find it difficult to find coverage at all.
For this reason, you should always perform routine maintenance to lower your risk for filing an insurance claim. Following are a few scenarios where support would help you avoid a claim.
When the weather’s warm, snakebites are a very real possibility in Tucson, AZ. It’s estimated that there are about 8,000 incidents of venomous snakebites each year in the U.S. To prevent a bite on your property, make sure it’s maintained well. Seal up all holes and repair any broken siding to keep snakes from nesting around your house. Also, clear away any brush or other structures that snakes can use for shelter.
Tree Damage Claim
Falling trees cause quite a bit of damage, but you can also get just as much damage from a falling limb. To avoid filing a claim for tree damage, have your trees professionally trimmed and ask that all dead limbs be removed. If there is a problem with the structural integrity of the tree or if it is damaged or diseased, have the tree removed completely.
Water Damage Claim
Misplaced or damaged roof tiles do not keep rain and inclement weather out. If you don’t inspect and maintain your roof regularly, you will soon find yourself in your house trying to catch water with buckets. Water can do an insane amount of damage when it gets inside your home. The best course of action is to keep it out with routine maintenance.
If you have any questions about your homeowners’ insurance coverage or about how maintenance can prevent a claim, call Castillo & Associates Insurance today.