Call/Text (631) 473-7059 ☰ ˟
Logo
Call/Text (631) 473-7059
  • Home
  • Get A Quote
    • Automobile
    • Business & Commercial
    • Commercial Auto Insurance
    • Disability Insurance
    • Flood
    • General Liability Insurance
    • HealthImage of right arrow
      • Long Term Care Insurance Quote
      • Health Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
      • Homeowner Insurance Quick Quote
      • Homeowners Insurance Quote
    • Life
    • Long-Term Care Insurance
    • RentersImage of right arrow
      • Renters Insurance Quote
      • Renters Insurance Quote
    • Term Life Insurance
    • Watercraft & Boat
    • Workers Compensation
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
  • Claims
    • Automobile
    • Homeowners
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Newbrook Insurance
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > What is Wear and Tear? And why isn’t it covered?
MONDAY, MAY 10, 2021

What is Wear and Tear? And why isn’t it covered?

When an object is used every day, its condition tends to decline. This is what is referred to as wear and tear. In a home, wear and tear refers to the property's deterioration after it has been used as intended. The deterioration should not be due to carelessness, accidents, misuse, or abuse of the property's contents either by you, your guests, visitors, or your household members. 

Having home insurance can save you a lot of trouble with regards to your property. For instance, it can cover the repairing or replacement for items damaged by theft, fire, or floods. Additionally, homeowners insurance is essential in covering the costs that you may incur if a visitor is injured in your residence or if you accidentally damage someone else’s property.

Why is Wear and Tear not covered by Home Insurance?

Homeowners insurance covers the cost of repairing any sudden and accidental damage. Wear and tear cannot be classified as sudden or accidental. It results from using the property for a long time without enough maintenance.

This means that insurance policies are not intended to cover things that are broken, worn out, failing because you have not maintained them properly, or have degraded naturally with time. Insurance companies have replaced wear and tear with a ‘new for old’ policy.

This policy is also known as ‘replacement as new’ coverage. When your items are stolen, lost, or destroyed, the new for the old policy is available to cover the full expenses of replacing them. Additionally, the insurance provider may also cover all the costs involved in repairing damaged items to get them to their original state.

Policies in Practice

For homeowners with large buildings, wear and tear can significantly impact their insurance claim. The impact is especially severe if the wear and tear results from negligence and lack of proper maintenances. For instance, you can present a claim when water from a leaking roof has caused some damage.

Nevertheless, if it is discovered that the roof leaked because you had not replaced some missing tiles, then the insurance provider will probably challenge or reduce your claim. Therefore, before you purchase any policy, ensure that you fully grasp its terms and conditions.

Preventing Wear and Tear

Since this phenomenon is not included in any homeowners insurance, it is your responsibility to keep it at bay as much as possible. Wear and tear is meant to happen on your property’s contents as they get used every other day. However, these are some steps that you can take to ensure that the wear and tear effect is minimal or cleared completely:

1.       Repainting

Besides improving the aesthetics of your home, applying a new coat of paint is a protective measure. In today’s market, you will find different paints created for outdoors to guard your property against cold, water, heat, wind, and other elements.

2.       Tree and bush trimming

If left to grow too big heights, the trees and bushes could scrap your home's exterior parts, such as the roof and walls. Trimming is a perfect way of ensuring there is some distance between your home’s exterior and the trees or branches around it.

3.       Work on minor roof damage

Regular inspections on your roof can save you a lot of trouble in the future. During the winter, for instance, roofs are prone to damage. The water that leaks into your home could damage the house's interior and foundation. Cracked, missing, or loose roof shingles should be repaired or replaced the soonest possible to ensure that your home is safe.   

Posted 11:00 AM

Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • long island homeowners insurance(21)
  • long island flood insurance(8)
  • homeowners insurance(6)
  • homeowner tips(5)
  • ice dam(5)
  • long island auto insurance(4)
  • new york auto insurance(2)
  • new york life insurance(2)
  • long island(2)
  • mount sinai(1)
  • long island insurance impacted by corona virus(1)
  • nys paid family leave(1)
  • auto insurance(1)
  • dogs and homeowners insurance(1)
  • water shutoff(1)
  • protecting your home(1)
  • buildings(1)
  • national flood insurance program(1)
  • dwelling fire(1)
  • property insurance on homeowners insurance policy(1)
  • frequently asked questions about long island homeowners insurance(1)
  • safety(1)
  • homeowner insurance(1)
  • aarp(1)
  • stolen car insurance(1)
  • new york small business insurance(1)
  • dog bites(1)
  • working from home(1)
  • hurricane season(1)
  • contractors insurance(1)
  • vacant dwellings(1)
  • long island homeowner hurricane preparation(1)
  • hurricane sandy(1)
  • security devices(1)
  • frozen pipes(1)
  • stony brook(1)
  • new york city(1)
  • new york general liabilty(1)
  • hurricane irene(1)
  • fire damage(1)
  • safe driving tips(1)
  • long island homeowneowners(1)
  • new york workers comp insurance(1)
  • older homes insurance(1)
  • new york(1)
  • covid 19 relief(1)
  • port jefferson(1)
  • commercial insurance(1)
  • hurrican irene(1)
  • long island home jewelry(1)

View Mobile Version

Contact Us Today!
(631) 473-7059

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

14 Roosevelt Avenue
Port Jefferson Station, NY 11776

Call/Text: (631) 473-7059 | F: (631) 473-7592 | E:info@newbrookins.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder