Wear and Tear Can Bring Tears

But wear and tear under most normal circumstances will not bring a claim payment from the insurer.

Insurance, especially property insurance, is contingent on an event or an ‘occurrence’.

A roof that slowly deteriorates isn’t a claim.

A hailstorm that destroys a roof is a claim.

A slow deterioration of grout between tile due to poor maintenance and housekeeping practices that results in water damage isn’t a claim.

A pipe bursting due to freezing temperature could be a claim.

Your car’s engine grinding to a halt because you having gotten an oil change in 7 years isn’t a claim.

Getting hit by someone texting and driving is a claim.


You get the picture. Take care of your stuff to prevent the non-claims. Have insurance for the stuff you can’t control.


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