If you’re looking at home insurance, one phrase you may see is wear and tear. It’s typically an exclusion in home insurance policies, which means you won’t be covered for it. So, what is wear and tear and how can you avoid it?
Wear and tear is the gradual deterioration on the building or contents of your home.
An example is the impact of sunlight on your sofa. If the colour has faded over time this wouldn’t be covered by home or contents insurance.
Perhaps a more costly example is to do with plumbing. If a pipe bursts due to age – perhaps it rusted – and causes damage in your home, it may also not be covered by your home or contents insurance.
To avoid wear and tear having an impact on your property, it’s important to keep everything in good working order.
Tips to minimise wear and tear
- Get domestic equipment, such as your boiler, serviced regularly.
- Put in gutter guards to keep out leaves – gutters can easily overflow when blocked, causing water damage to walls.
- Check pipes in colder parts of the house, such as the loft or cellar, are insulated.
- Check for and replace missing or loose roof tiles.
- If you have a flat roof, renew the asphalt lining within its life span (the average life span is approximately 10 years).
- Inspect the windows for peeling paint and crumbling putty. These problems can cause the timber to swell and let in water.
- Remove any broken tree branches surrounding your home, greenhouses or outbuildings before they fall off and cause damage.
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Please ensure you read the key information about HSBC Home Insurance and check the full eligibility requirements before you apply.