A deductible is the predetermined amount that the consumer has agreed to pay on each repair to their home in the event of damage. When submitting a claim, the customer can always expect to pay the deductible amount, with the insurance company covering the remaining cost.
Maintaining wear and tear is the responsibility of the homeowner and not the insurance company. In the case of each insurance claim, it’s important to consider your deductible amount vs the total dollar amount. Since claims stay on your record for 10 years and affect your future insurance costs, it might not make sense to submit a small claim you could pay for out of pocket.
Pro tip: Make home maintenance costs a part of your budget.