It makes sense that home insurance in Richmond, VA would cover preventative maintenance, especially if it can prevent an insurance claim. For example, a leaning tree can fall on the house, causing damage. However, it’s not that simple. 

Standard Coverage and Preventive Maintenance

Policies do not cover preventative maintenance, such as removing a leaning tree. This is considered the homeowner’s responsibility. In fact, you can run into trouble if you don’t remove the leaning tree. An agency may consider this high risk and raise your monthly premium. They may specifically exclude incidents of falling trees from insurance coverage. 

You may face a denied claim if the tree falls, even if it’s from a covered peril. For example, if the wind knocks down a leaning tree, this would be considered wind damage, which may be covered under the policy. However, a company can still deny your claim because you failed to do preventative maintenance. It’s important to contact us at the Bacon Insurance Group to see if a leaning tree can impact your policy or future claims. 

What About Normal Wear and Tear?

Every home has normal wear and tear as the years pass. Wind will blow a few shingles loose. The home may end up with water damage from a leaking roof or require additional maintenance. However, this is also considered the homeowner’s responsibility. Policies won’t cover normal wear and tear, or damage caused by your lack of maintenance. 

For example, if there is water damage from a leaking roof because you failed to do maintenance, the company can deny your claim. 

We understand how frustrating this can be. Professionals at the Bacon Insurance Group will work with you to learn about your situation and help you in any way we can. Contact us today to get started with an insurance company that cares. We’re currently serving the Richmond, VA area.