Insuring the buildings on your property against damage is crucial, but you also need to understand what you must do to meet the terms and conditions on your homeowners insurance policy. All too often consumers assume their insurance policy is a maintenance contract, but this is one of the biggest reasons for claims being rejected by insurers.  Property owner who neglect to maintain their home are often in for nasty surprises at claims stage.

The purpose of your insurance policy, is to ensure that you are covered against unforeseen events, which excludes normal wear and tear.  Maintaining your roof properly is a common condition of homeowner’s policies. You need to take care of this, so you will have a valid claim if your home is damaged by an insured event.