The house needs a new coat of paint. Your siding needs replacement. It may seem like these are only cosmetic changes. However, your paint, siding and brickwork are actually valuable parts of your home.
These pieces can wear out over time. They might even become damaged as they age. Eventually, you will need to replace them. A well-kept exterior helps you maintain your property value and your home’s structure.
But, when you need new work on your exterior, it likely won’t help to go to your homeowners insurance.
Unfortunately, homeowners insurance will usually not cover replacement for paint, siding or brickwork.
Outside elements affect these parts of your home’s exterior all the time. They will probably wear out as the years go on. In these cases, the damages that occur are part of your home’s normal wear and tear. Normal wear and tear are almost never covered by home insurance.
Home insurance means to protect your home from perils that might affect the home at random. These can be things like severe storms, fire, vandalism or theft. A faded paint job or cracked siding is usually not included as a peril.
Nonetheless, if a peril like a fire damages the home's exterior, then the comprehensive coverage of your insurance will likely cover repairs that the damages cause.
Remember, homeowners insurance may not cover every peril. It may only issue you certain amounts of money that you have to prioritize in order to make repairs. You might have to put other repairs ahead of your paint, siding or brick replacement.
Furthermore, as exterior technology improves, you do have ways to reinforce your exterior work. You need to make sure that you purchase high-quality outdoor paint. The wrong paint can corrode and even mold, causing more damage. Bricks and siding are also improving nowadays where they can withstand certain damages.
In fact, it is often a good idea to invest in damage-proof exteriors. You can reduce your risks of damages and financial loss.
Buschbach Insurance Agency is here to help you maintain your home insurance for those times when damages do occur. Give us a call today at (708) 423-2350, and visit our website for more information on homeowners insurance.