{"id":26,"date":"2026-07-14T14:33:40","date_gmt":"2026-07-14T20:33:40","guid":{"rendered":"https:\/\/www.rkm-ins.com\/blog\/?p=26"},"modified":"2026-07-14T14:33:41","modified_gmt":"2026-07-14T20:33:41","slug":"three-claims-denied-why-normal-wear-and-tear-can-cost-you-everything","status":"publish","type":"post","link":"https:\/\/www.rkm-ins.com\/blog\/three-claims-denied-why-normal-wear-and-tear-can-cost-you-everything\/","title":{"rendered":"Three Claims Denied: Why &#8220;Normal Wear and Tear&#8221; Can Cost You Everything"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dear valued customer;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the rainy season upon us, we feel it\u2019s a good time to re-address this very important issue; &nbsp;Where insurance companies exclude claims that arise from normal wear and tear and\/or improper maintenance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes we think <em>\u201cWell, I\u2019ve been paying all this money every year for insurance, therefore, I should be covered on any claim<\/em>\u201d unfortunately, this is not a valid argument. \u00a0\u00a0<strong><em><u>ALL<\/u><\/em><\/strong> insurance companies exclude these type of claims which arise out of normal wear and tear and\/or improper maintenance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><u>Examples of excluded wear\/tear claims and improper maintenance claims:<\/u><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monument sign blew down and fell during heavy wind storm<\/strong> \u2013 after the insurance company did their investigation, they determined that the reason the sign fell was due to the fact that the base of sign had severely rusted and deteriorated over the years.\u00a0 And if it was maintained properly, it would not have fallen down. The insurance company declined coverage.<\/li>\n\n\n\n<li><strong>Water pipe burst underground and caused severe damage<\/strong> \u2013 after the insurance company investigation, it was determined that the reason the pipe burst, was due to it being old and corroded. So the insurance company declined coverage.<\/li>\n\n\n\n<li><strong>During a heavy rain storm, water ran down the inside wall of the mini mart and did damage to walls and equipment<\/strong>. When the insurance company completed their investigation, they found that the drains on the roof were plugged, which then allowed the water to build up and spill over the water proofing material causing the leak inside the store. It was determined that if the drains were maintained properly and kept clean, this damage would not have occurred. \u00a0The claim was declined.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, what\u2019s the moral of this story: &nbsp;Make sure to check and clean those gutters periodically, also check all your property periodically, and repair anything showing significant wear\/tear <strong><em>BEFORE<\/em><\/strong> you find out the hard way and have your claim denied to due avoidable negligence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We hope you find this information useful. &nbsp;If you would like to add any thought to this subject, or have any suggestions you would like to know about for future newsletters, we would love to hear from you. &nbsp;Your input is always welcome and appreciate.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dear valued customer; With the rainy season upon us, we feel it\u2019s a good time to re-address this very important issue; &nbsp;Where insurance companies exclude claims that arise from normal wear and tear and\/or improper maintenance. 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