The arrival of summer has many good things, like we are going on vacation, but it can also have other not so good as it is the fact that we leave the home only increasing the risk of suffering some damage while we are not. However, we already know that not everything is in our hands and that the truth is that there will always be things that, even when present, we can not control, such as, for example, a water leak that generates a series of deteriorations that must be repaired. This is where non-direct material damage, or what is the same, aesthetic damage, among others, enters.
But what is an aesthetic damage?
The aesthetic damage or the aesthetic recomposition are the necessary expenses to restore the initial aesthetic composition of those elements that existed before the accident, which may affect the continent to the content or both at the same time; in this way, in the event that it would be impossible to replace them with materials or goods identical to the existing ones, it is stipulated that materials of a similar quality will be used. Therefore, the objective of coverage for aesthetic damages is to maintain the design or the image prior to the loss of our home. Again, if you face natural disasters such as flood and water pollution in your home, then the Water Damage Restoration Pros team can help you in the immediate situation.
An example to explain it would be that, before the already mentioned leak of water produced by a fault in a pipe, it had to change part of the pavement that we had put in the kitchen, as well as the odd tile, and yet we are in the situation that the same tiles that we had on are no longer manufactured in the market; so it would be in this case in which the insurance company would have to install the tiles more similar in quality, color and texture that they found. Therefore, not being able to replace the tiles by the same ones that were had, an aesthetic damage has taken place since there will be a difference that will be noticed more or less between the new tiles and those before the breakdown.
Why is it important to take into account the aesthetic damages?
Very simple: not to have to pay the full repair of your pocket. In case of having an aesthetic damage covered by the home insurance the company must pay, up to the limit established in the policy, an indemnity that will include the cost of all new materials, as well as labor for the installation.
Possible limitations to take into account
---> Make sure that your policy includes the coverage of aesthetic damages both for content and for the continent in case of any unforeseen event, such as the aforementioned pipe breakage, and not only in the event of a fire or a weather event.
---> Maximum amount of money: it is important to know what capital for aesthetic damages you have contracted in your policy to ensure that the compensation will be complete in case you need it. There is no specific amount but the most common range between 1,500 and 3,000 dollars, with the option to expand this capital in some insurers. If the "replacement" budget exceeds the capital contracted for aesthetic damages, it will be charged to your pocket, as long as you give your consent
---> Exclusions: knowing what is included and what excludes the contracted coverage of "aesthetic solutions" is important, check with your insurer what exclusions are in your coverage for aesthetic damages.
One last note
There is an important clarification that you must take into account and that this coverage applies only to the insured, that is, that in case the aesthetic damage is occasioned you to your neighbor, the coverage will not apply to him. Of course your home insurance (in case you have it) covers the damages to third parties through the civil liability, but if you cause damage to your neighbor by a water leak the company is only obliged to repair the damage, but not the aesthetic damage that is derived from it.
There is no doubt that the best way to protect our home is by making us with a home insurance, possibly including aesthetic damages, to ensure that our house is always as we want.
