Home Maintenance Tips That Protect Your Property and Your Insurance Claim

Insurance companies have two favorite words when denying claims: maintenance issue. If they can prove you failed to properly maintain your property, they can — and often will — deny payment.

That’s why proactive upkeep isn’t just about keeping your home in good shape; it’s about protecting your right to a fair insurance payout. I’ve seen this first-hand, from clogged gutters after a storm to frozen spigots in winter. In each case, the damage could have been avoided — or the claim could have been stronger — with a little routine care.

For example, after a major storm, I often see roofs damaged by falling trees. While the storm damage is covered, adjusters also notice gutters full of debris. If they think the problem existed before the storm, they might argue it’s a maintenance issue and try to reduce your payout. My advice: clean your gutters and make sure downspouts direct water well away from your foundation.

Fireplaces are another area where maintenance is critical. I’ve handled multiple smoke damage claims caused by homeowners who didn’t realize their chimney flue was stuck closed or broken. In one case, a woman lit a fire and ended up with her living room full of soot after dumping water on it. Several families I’ve worked with in these situations had costly, time-consuming cleanups — and all could have been avoided with a simple inspection.

Other maintenance tips:

• Turn off and drain exterior spigots before winter.
• Never run space heaters through extension cords.
• Keep flammable items at least two feet away from heat sources.
• Replace chirping smoke alarm batteries immediately.

Insurance carriers love to deny claims over “lack of maintenance.” Don’t give them the chance. At 21st Century Public Adjusters, we can help you understand where your vulnerabilities are, so your home stays safe — and your claims stay strong.