Policies in practice
Wear and tear can have significant implications on your claim, particularly on large building insurance claims. Proper maintenance is essential to prevent invalidating your claim. For example, if your roof leaked causing water damage you’d want to submit a claim. However, if the cause was found to be several missing tiles that you’d not replaced, the insurer may challenge or reduce your claim.
All policies differ in the detail and therefore it’s really important to check the terms of your cover when you take out the insurance. When comparing prices with our home insurance comparison service we always give you the option to find out ‘more details’. If this still isn’t enough detail, you can review policies documents or contact the insurance provider directly.