Wear And Tear And Lack Of Maintenance

A frequent denial reason is that insurance is for sudden accidental loss, not aging or neglect. Deteriorated roofs, old plumbing, and rot are usually considered wear and tear, and damage tied to long term neglect can be excluded. If a small leak slowly damaged cabinets for months, the insurer may deny all or part of the claim. Keep records of repairs, replace aging systems, and fix issues promptly.