Frequently Asked Questions
Maintenance is the process of preserving the surface or item that is attached to your home or property. It is typically located in areas that have aged or are placed in a place where will wear and wear and tear e.g. the rusty flashings of the passage of time or proximity to the ocean, paint that has blisters due to weathering or an old deck that has degraded due to not being oil-ed.
A contract you signed in conjunction with the Insurance Company when you took out your Insurance Policy specifies that it is your responsibility to make sure your home is well-maintained and water-tight. Your Insurance Company will not be liable for any damages that didn’t occur in a single incident (e.g. storm, fire, break-in).
So, if there are problems with maintenance due to general wear and tear, these are not covered under your insurance policy. If they’ve opted to compensate for the damage, we’ll require the work to be done first to stop the damage from occurring again.
Your Insurance Company will issue an informational letter that outlines what maintenance must be done and the deadline by which it needs to be completed.
Maintenance work must be carried out before damage resulting from claims is repaired.