California – 760-241-7375 | Utah – 801-840-9555 Facebook Twitter LinkedIn Google+ Yelp



RoofingIn some cases, the state of disrepair your home is in can become a costly problem for an insurance carrier. Issues such as loose shingles on your roof, easily compromised or cracked doors, and debris lying around your yard increase the risk of suffering damages during an insurable incident.  Any of the scenarios above can increase the likelihood that your insurer will need to pay out a claim at some point. While it would be in the insurance company’s best interest for you to improve these areas and reduce their risk of claims exposure, they can’t actually force you to take action.

The Insurer is Not the Boss
Insurance carriers are simply companies that agree to pay for the losses you suffer at the hands of insurable events. They cannot dictate how you should keep your home. The insurance company does not get to mandate whether or not your roof is replaced in any state of disrepair, nor do they get to decide when and how you should make repairs to any other part of your home. It is ultimately, the responsibility of each individual home owner to decide what, when, and how to make improvements to their home.

What an Insurance Company CAN Do
This doesn’t mean insurance companies are completely powerless in compelling you to make changes. If your carrier gets the sense that your lack of repairs is increasing their exposure to risk, they can either raise your rates or decide to not renew your premium.

Insurance companies have a big responsibility to accurately assess risk and take measures to protect themselves against it. They must do this in order to ensure that they will have the funds to pay for all the claims they receive from their other policyholders. If the way you choose to maintain your home increases the risk that you present, then the insurance company has no choice but to raise your rates to reflect that increased risk or to lose you as a customer. If they don’t take these steps, they expose other customers to the possibility that they can’t pay for their claims.

It is always in a homeowner’s best interest to maintain their home to the best of their abilities. In fact, much of the damage that occurs as a result of poor maintenance is less than a home insurance deductible and doesn’t occur as an insurable incident anyway—which means the homeowner has no one to blame, and no one to pay, but themselves.

Call us to discuss your home insurance options in Victorville at (866) 466-2109.

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version

Mercury Excellence Award

Key CityInsurance BlogOur Blog
Home | About Us | Get A Quote | Customer Services | Contact Us
CALIFORNIA Key City Insurance Victorville Office
12370 Hesperia Road Suite 9
Victorville, CA 92395
(760) 241-7375

Rancho Cucamonga Office
10681 Foothill Blvd Suite 495
Rancho Cucamonga, CA 91730
(909) 980-0038
UTAH Salt Lake City Office
3540 S 4000 W Suite 220
Salt Lake City, UT 84120
(801) 840-9555

St George Office
393 E. Riverside Drive Suite 203
St George, UT 84790
(435) 656-8100
CONNECT WITH US Facebook Twitter LinkedIn Google+ Yelp