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.
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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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