It’s important to remember that home insurance is meant to protect you against the impact of sudden, unforeseenand accidental events, and not wear and tear. ‘Wear and tear’ means gradual deterioration caused by aging, normaluse or the environment, for example hail, moths, insects, rust or mildew.
To help prevent loss or damage caused by wear and tear, you have to maintain your home and make sure thateverything is in good working order. If you don’t maintain your home and you need to claim, your claim might berejected.
For example, you can prevent water damage due to a blocked or leaking gutter if you maintain it properly. So, if youclaim for damage as a result of your leaking gutter, your claim may be rejected because of poor home maintenance.
The good news is that maintaining your home does not have to be hard. By doing regular standard maintenancechecks you can manage the risks. On the next page we provide a few handy tips for maintaining your home.
While your Nedbank Insurance Homeowner’s Cover will likely pay for damage caused by unforeseen events that couldnot have been prevented, it’s important to remember that you will be responsible for fixing defects caused by wearand tear. The time and money you put into regular (and often minor) maintenance jobs along the way can save yousignificant expenses in the long run.
Paint your home’s exterior as often as required
Check and clean your chimney annually
Creosote, a substance that is createdby burning wood, is highly flammableand can build up in your chimney overtime. To avoid the risk of your chimneycatching fire, check and remove thecreosote at least once a year if youregularly use your chimney.
Ensure proper ventilation
Take care of yourgutters
Maintain your pool
Look after your garden
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