Do you want to hear a story that haunts the dreams of the average insurance claims adjuster? Imagine your dream vacation home. This is where you and your friends will spend long lazy weekends together, where you’ll make cherish memories with your family, and where your children will eventually take their own kids when you leave the house to them.
Now imagine that you just arrived for a much needed vacation, and you’ve discovered that the basement and a good portion of the first floor are submerged in water. From what you can determine a pipe burst somewhere in the home, and unfortunately since you aren’t around often your home away from home has fallen victim to weeks (or even months) of extensive water damage.
You’re close to panicking, but you calm down and decide that the only logical next step is to contact your home owner’s insurance company. After being on hold for what seems like a lifetime, the customer service rep you’re talking to casually asks if the heat was on in the home at the time. You answer that you don’t leave on your HVAC unit when you aren’t in the home, and after an awkward pause they say that could change things. After weeks of worry you find out that your home owners insurance claim was denied, and the reason why was listed as “insufficient maintenance”.
That story may seem improbable, but unfortunately it’s the reality for many property owners. A significant amount of insurance claims are denied because the homeowner failed to “properly maintain” their home. Something as seemingly small as not patching a small hole in the roof, not caulking windows and sealing cracks, and even failing to leave the heat on to prevent pipes from freezing can be seen as improper maintenance by insurance companies. Others like the home owner in the vacation home example could have their claim denied because the issue wasn’t discovered in a reasonable amount of time.
Situations like this may give insurance claims adjuster’s anxiety, but it’s exactly why you need one when you’re filing a claim for your home. They understand the insurance claims process inside and out, and they’ll be able identify deceptively small problems that can cause big issues.