Weather can take a toll on your home and lead to expensive repairs. Home insurance helps protect your property when disaster strikes, but that doesn't mean it'll cover everything that happens, and you don't want to file a claim if you can avoid it.
Most insurers exclude damage caused by neglect or improper maintenance. For example, if a roof suffers water damage and your insurer notices clogged gutters, the company might pin the damage on a lack of maintenance and deny your claim.
