Home Insurance Coverage

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Stevehamilton

Newbie
Jan 25, 2018
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I want to know about home insurance, can we claim repair and maintenance in property insurance? for example i want to repair my drainage system so can i ask my insurance company for that?
 
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LTSteve

Gold
Jul 9, 2010
5,449
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Stevehamilton said:
I want to know about home insurance, can we claim repair and maintenance in property insurance? for example i want to repair my drainage system so can i ask my insurance company for that?
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I doubt it. Home insurance generally does not cover repairs of this nature. Are you in the Dominican Republic?
 
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Tashi Siu's Dad

Gold
Jan 7, 2016
827
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If you drainage system was damaged by storm, natural disaster, then your insurance may cover some or all the expense of having the repairs made. If it's just normal wear-and-tear, they won't pay a cent. They'll probably want to send-out their own adjuster to look at the damage to see if it meets their criteria for payment.
 
melphis

melphis

Living my Dream
Apr 18, 2013
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If your not insured now the answer would be no it is not covered. Insurance companies do not cover preexisting conditions or repairs to normal maintenance and wear and tear. I believe that's pretty standard no matter where you live.
 
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william webster

Platinum
Jan 16, 2009
30,247
4,330
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Be careful -- my neighbor learned the hard way.

The deductible is a claculated amount based on 'whatever'...
it does not calculate in your favor.

Better to go bareback...self insure IMO

I do...
 
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