When normal 'wear and tear' causes additional property damage
Coverage Q&A: Possible wear to the roof of the insured's RV caused damage to the vehicle's interior.
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Editor’s Note: This week, we analyze if wear and tear to an RV and subsequent damage to the interior of the vehicle is covered by insurance.
Question: An RV owned by the insured has caulking that has deteriorated on the roof, allowing water damage to the interior of the RV. Does the “wear and tear” exclusion apply to this loss?
— Kentucky Subscriber
Analysis: Insurance is designed for catastrophic or sudden and unexpected losses, such as fires or tornadoes. Normal “wear and tear” is not covered in insurance policies because it can be expected for property to deteriorate over time. There are times, however, when something becomes worn and other property is damaged. The roof may have a hole worn in it, but the property inside the house that becomes waterlogged because of the roof isn’t usually affected by rain water coming inside the home.
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