Your homeowner’s insurance coverage can help protect your property and assets against accidental damages and acts of nature. However, wear and tear often occurs naturally to a property, and such damages are not covered by the homeowner’s insurance policy. Hence, the insurance provider may not be responsible for damages to your home due to wear and tear.
At Hoch Law Firm, PC, we provide knowledgeable legal assistance for clients and their residential property insurance claims. We can tell you about the exclusions that may apply to your homeowner’s insurance policy and help file your property insurance claim. My firm proudly serves clients across North Texas.
What is a Wear and Tear Exclusion?
A wear and tear exclusion can be described as a provision in a homeowner’s insurance policy that states that normal deterioration – or expected “wear and tear” – of the insured property will not be covered under the policy. Most insurance providers often include the wear and tear exclusion to protect the insurer from liability when the homeowner (or policyholder) fails to carry out adequate maintenance, repairs, or replace deteriorated parts of the property.
How a Dispute Can Lead To a Bad Faith Lawsuit
When you file a property insurance claim, the insurance carrier may claim that the property damage occurred due to wear and tear to avoid a contractual payment. Even if the property damage occurred from a natural disaster such as a tornado, hailstorm, or flood — the insurer may attempt to attribute it to your property’s pre-existing condition to avoid paying damages.
When the insurance carrier denies your valid property insurance claim wrongfully – while citing that it was caused by wear and tear – it may result in a property insurance claim dispute or bad faith lawsuit. A reliable attorney can help protect your rights, combat the insurer’s bad faith tactics, and help you pursue your deserved compensation.
Protect Your Property With Trusted Legal Counsel
Filing a property insurance claim can be complex. However, in the event that the insurer wrongfully denies your claim by stating wear and tear, you may be entitled to pursue damages by filing an insurance bad faith lawsuit. An experienced property insurance attorney can help you decide the best course of action.
With more than 29 years of extensive experience, we have the knowledge and resources to support and represent clients in their property insurance claims.
Need help? Contact the Hoch Law Firm today.
