When your home suffers damage, filing an insurance claim can feel like a lifeline. But what happens if the claim is denied, and the reason is labeled as "negligence"? At Rock Insurance Services, we proudly offer home insurance to residents throughout the greater Medford, NJ, area and the Tri-State region. We understand how confusing and frustrating this situation can be.
Understanding "Negligence"
In the context of home insurance, negligence refers to a homeowner’s failure to take reasonable care in maintaining or protecting their property. It’s not always about doing something wrong—sometimes, it’s about not doing something at all. For example, if a homeowner ignores a slowly leaking pipe and mold develops over time, the insurer may determine that the damage could have been prevented with timely action.
Another example is leaving windows open during a storm, which can result in water damage. Because the incident could have been avoided with reasonable precautions, the insurer might argue that negligence played a role and deny the claim.
The Importance of Understanding Negligence
Insurance is designed to help when the unexpected happens, not when problems are allowed to worsen gradually. That’s why regular upkeep and prompt repairs are so important—not just for safety, but for protecting your coverage.
At Rock Insurance Services, serving the Medford, NJ, community and the greater Tri-State area, we help homeowners understand what their policies cover and how to avoid common pitfalls, such as negligence-related denials. If you’re unsure about your coverage or want to make sure your policy truly has your back, reach out to our team today. We’re here to help you stay confident and covered.