A homeowner’s insurance policy bundle should include coverage for outdoor structures, such as a detached garage, shed, pool, fence, or gazebo. However, such coverage has its limits. Milwaukee, WI, homeowners will want to read the terms and conditions to ensure that expensive outdoor features can be repaired or replaced easily during a natural disaster. As the area is susceptible to tornadoes, flooding, and heavy snowfall, it’s a good idea to ensure your policy covers these perils.

Regular Maintenance: A Must for Receiving Compensation

Homeowner’s insurance will not cover damage caused by normal wear and tear. It also won’t cover mold or damage caused by pests. To increase your odds of receiving compensation after a disaster, it’s wise to maintain your outdoor structures regularly. Pest infestation should be dealt with immediately before it causes irreversible harm. Broken or damaged fencing should be repaired or replaced as soon as possible. If an outdoor structure is damaged in a disaster covered under your policy, but the insurer finds that part of the damage was caused by disrepair, you could lose out on needed compensation. 

Make a note of Changes.

Did you replace the fence around your property, build a pool, put in a new shed, or remove an old shed? You’ll want to tell your insurance agency about any changes you made to your outdoor property. This ensures your coverage is up-to-date at all times.

Contact Dern & Company for More Information

Dern & Company specializes in offering great home insurance options to Milwaukee, WI, homeowners. Contact us to learn more about how we can help you protect your property’s outdoor structures.