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Wilcoxon Insurance, Inc.

4804 S. Minnesota Ave., Ste 103
Sioux Falls, SD 57108

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Featured Insurance Blog

The Connection Between Home Maintenance and Claim Denials

At Wilcoxon Insurance Inc. in Sioux Falls, SD, we often discuss life insurance. However, you might be surprised to learn that your home maintenance habits can influence how smoothly things go when it’s time to file a claim, especially if the claim is tied to a life insurance policy connected to your estate or mortgage.

Why Home Maintenance Matters

Keeping up with regular home maintenance isn’t just about curb appeal—it’s about protecting your investment and your loved ones. Insurance companies may review the condition of a policyholder’s property when processing a life insurance claim, particularly if the claim involves an accidental death on the premises or a home-related hazard.

For example, if a poorly maintained home contributes to a fatal accident, the insurer may investigate whether negligence played a role in the accident. If it’s determined that the accident could have been prevented with proper upkeep, this could impact the outcome of the claim. This is a difficult situation that no family wants to face during an already challenging time.

Protecting What Matters Most

The good news is that staying proactive with home maintenance can help minimize risks and avoid unexpected complications. Regular inspections, prompt repairs, and keeping records of updates can all make a difference. It’s not just about preventing damage—it’s about protecting your family’s financial future and ensuring your life insurance policy functions as intended.

At Wilcoxon Insurance Inc. in Sioux Falls, SD, we’re here to help you understand the whole picture when it comes to your policy. If you have questions about life insurance and how your lifestyle choices may impact your coverage, contact us today. We’re here to guide you every step of the way.

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