A home insurance claim is an accidental event that may be covered by the insurance policy contracted. In the case it is covered under the guarantees in the policy, the insurer must resolve the claim.
This claim must be totally unpredictable and beyond the control of the policy holder.
In case of a claim, the assessor has to take into account if the damages are derived from the dwelling itself or relate to the parts of the building which are the responsibility of the community.
In must be borne in mind that inadequate maintenance of the insured property may result in a claim being declined.
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