working with homeowners to proactively identify and address potential issues so they don't become an even bigger problem down the line. (iStock) working with homeowners to proactively identify and address potential issues so they don't become an even bigger problem down the line. (iStock)

Nobody will argue that it's a homeowner's job to protect their home. But insurers have as much incentive as anybody to make sure nothing bad happens to a customer's property.

And while we all agree about the underlying logic here — less property damage equals fewer claims to pay for insurers and fewer repair costs for homeowners — insurers don't always act like they want to prevent bad things from happening.

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