Property · Insurance Term
Wear and Tear Exclusion
Definition
The wear and tear exclusion removes coverage for gradual deterioration of property from age and normal use. Property insurance is meant for sudden, accidental losses, not maintenance. Damage that results from wear and tear, like water from a sudden pipe break, may still be covered.
In Plain English
Special form policies, such as the Causes of Loss – Special Form, commonly exclude wear and tear, rust, rot, settling and similar gradual causes. An aging roof that leaks after years of weathering is a common example.
The line between wear and covered damage is a frequent claim dispute. If hail damages an older roof, the insurer may argue some damage is age-related. Documented roof age and maintenance help.
This exclusion often combines with mold and long-term leak exclusions, making maintenance records important.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: a 25-year-old flat roof begins leaking after years of exposure. The insurer denies the roof replacement as wear and tear but may cover resulting interior damage, depending on policy wording.
What to Watch For
- Keep roof inspection and repair records.
- Take dated photos of roofs and building systems each year.
- Ask your adjuster which part of a loss is considered wear and tear.
- Address aging systems before they fail.
Last updated October 14, 2026 · Primesure editorial team · How We Write