It is therefore important to know the meaning of these terms to be able to use them applied to cut down on your premiums and also claims. Though it could seem as if common sense it is not. Any emergency repairs that aren't made known beforehand count as emergency repairs. This is a rule that applies to roach removal, water damage or flooding or trees falling down and non-operational furnaces if the temperature drops. Wear and tear from normal use does not count as claims and therefore, things like damaged weather stripping and roof tiles falling down as well as doors that don't shut properly are not considered to be covered. If there is any doubt concerning the authenticity of the project, you should conduct water testing by a professional to determine the truth. 7. Homeowners' Warranty They are also referred to as homeowner's insurance. They can be purchased on their own or added to existing policies for an additional cost. The insurance plan covers the most basic of appliances, systems like air conditioners, and lasts between five and 15 years. As part of the homeowner's insurance claim tip list, remember that any claims that must be filed will be handled by the insured instead of the company who perform the repairs within warranty. Since you are a legal resident you'll probably be accountable for the maintenance of your house. For legal home owners, legal aid may be available to make these expenses less burdensome, like the insurance for legal expenses. The legal services covered under the legal expense insurance program include costs incurred while repairing or upgrading your property, home as well as legal household belongings. This can include but not be limited to appliances, custom window treatments, custom applications Software development expenses, legal assistance in litigation between the community or neighborhood concerning parking issues on roads that are public, and so on. Many people forget about the possible homeowners' warranty as ex .