Insurance is designed to protect you from unexpected losses, like fire, storms, theft, and accidents, not from everyday wear and tear. Yet many policyholders are caught off guard when a claim is rejected because of something they assumed was covered.
So, what is wear and tear?
It refers to the natural deterioration of property over time due to normal use or exposure to the elements. From ageing roofs and clogged gutters to worn carpets and leaky taps—these aren’t considered “insured events.” Instead, they fall under your responsibility as the property owner to maintain.
Common examples of wear and tear not typically covered:
- Rusty pipes or gutters
- Cracked walls from long-term foundation shifting
- Worn seals around showers or windows
- Aged roof tiles that weren’t storm-damaged
Many policies specifically exclude claims caused by poor maintenance, prior damage, or pre-existing conditions. And yes, this can include damage following a major event like a storm if your insurer determines the root cause was a neglected issue.
What can you do?
Stay one step ahead with seasonal maintenance and regular policy reviews. Here’s a quick checklist to start with:
Spring:
✔ Check roofs, chimneys, and walls for damage
✔ Clear gutters and drains
✔ Clean and inspect windows for leaks or cracks
Summer:
✔ Repaint and repair exterior woodwork
✔ Trim plants near structures
✔ Refresh bathroom sealants
Autumn:
✔ Clear debris from around your home
✔ Check and clean the fireplace or stove
✔ Protect pipes from cold snaps
Winter:
✔ Inspect the roof after storms
✔ Keep condensation off wooden windows
✔ Service heating systems for efficiency
Remember, insurance won’t replace what routine upkeep can prevent.
Let’s Make Sure You’re Covered
We’re here to help you understand your policy and avoid costly surprises. Don’t wait for a rejected claim to find out what’s excluded.
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