Ensuring you’re smart about home insurance
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Ensuring you’re smart about home insurance

Author: Staff Reporter Updated: 11:15 28-08-2017

When it comes to insuring your home, there’s no better idiom than ‘a stitch in time saves nine’. Fixing small maintenance problems at the first sight of deterioration will prevent a small problem from becoming larger and much costlier in future.  Yet, complacency seems to remain a large contributing factor towards the rejection of claims for what is commonly referred to as ‘wear and tear’. 

Deanne Van Doesburgh, from Hollard, explains that, “When it comes to insurance, the insured is responsible to prevent damage or loss by ensuring that assets are maintained in good working order”.

“It’s important to remember that insurance is there to protect you against the impact of sudden, unforeseen and accidental events, and not for gradual wear and tear”, adds Van Doesburgh. “‘Wear and tear’ refers to the gradual deterioration of an insured item caused by aging, normal usage or the environment, for example exposure to weather, moths and insects, rust, mildew and so on”. 

Yet, as simple as it is to maintain a minor upkeep of one’s household, it is just as easy to overlook certain easy-fixes.

Consider the following;

Defective design: 


With the rise in the cost of living and the decline in credit ratings, it has become crucial, now more than ever, to give your home the TLC it needs. Attending to any maintenance issues as soon as they arise should become top priority for any homeowner.

Take care of the hard earned assets you’ve already built up over the years, so if life does decide to unexpectedly dish out a few lemons along the way, your insurance will get you back to normal before you can say lemonade!   

Published: 11:15 22-08-2017

Posted by on August 22, 2017.

Categories: Business, Personal Finance

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Updated: 17:33 22-Mar-2018