Good points overall, but I've actually seen insurers get surprisingly picky lately. Had a client whose claim got delayed because they wanted proof he'd serviced his HVAC regularly—not just replaced it. So here's what I'd suggest: keep receipts for annual maintenance checks (HVAC, chimney cleaning, pest control) along with the big-ticket repairs. Doesn't take much effort—just snap a quick photo and upload to Dropbox or Google Drive. Better safe than sorry...
"Doesn't take much effort—just snap a quick photo and upload to Dropbox or Google Drive."
Good advice there, but honestly, I'd go one step further. Had a pipe burst last winter and my insurer grilled me on maintenance history. Luckily, I had everything documented clearly. Now I keep a dedicated folder in Google Drive labeled by year, then subfolders for HVAC, plumbing checks, roof inspections, etc. Takes maybe 5 mins each time and saves headaches later... learned that the hard way.
That's pretty thorough, but do you think insurers might start demanding proof of who performed the maintenance too? Like, would DIY checks still count, or could they insist on licensed contractors only? Had a buddy whose claim got delayed because he couldn't prove a professional did the roof inspection. Makes me wonder if we're heading toward stricter documentation standards across the board...
Yeah, I could totally see insurers moving in that direction. Just bought my first place, and the paperwork hoops were already nuts. DIY checks might fly for minor stuff, but roofs or electrical? Doubt it... they'd probably want licensed pros for liability reasons.
Honestly, though, have you seen some of those "licensed pros" in action? I once had an electrician who spent half the day complaining about his ex-wife instead of fixing my wiring. License didn't stop him from nearly frying my circuits... Just saying, maybe insurers could trust homeowners a bit more—at least for simpler roof checks or basic electrical stuff. YouTube tutorials exist for a reason, right? Or am I just overly optimistic here?
