Have you ever noticed a small crack above your window or door frame? It may seem like just an aesthetic issue, but it could actually be a sign of something much more serious: a sagging lintel. If left unaddressed, this structural problem can lead to costly repairs and even safety hazards.
So the question remains: is damage from sagging lintels covered by insurance? In this blog post, we’ll explore what you need to know about this common issue and help you navigate the murky waters of insurance coverage.
What is sagging lintel damage?
Sagging lintel damage is a type of structural damage that can occur when the lintel, or horizontal support beam, in a building starts to sag. This can be caused by a variety of factors, including water damage, rust, and wear and tear. If left unaddressed, sagging lintel damage can lead to serious problems like cracks in the walls or ceilings, and even collapse.
Fortunately, most insurance policies will cover sagging lintel damage as long as it is reported in a timely manner. To make sure you are covered, it is important to take pictures of the damage and keep any receipts for repairs that are made.
What causes sagging lintel damage?
The weight of the brickwork above the lintel can cause it to sag over time. This is usually due to the erosion of the mortar between the bricks, which can happen when rainwater seeps in. The damage is most likely to occur in older buildings with poorly-maintained brickwork. If you live in an old property, it’s important to have the lintels checked regularly by a professional.
Sagging lintel damage is not usually covered by insurance, as it’s considered to be a maintenance issue. However, if the damage is caused by something beyond your control, such as severe weather, then it may be possible to make a claim. If you’re not sure whether your policy covers sagging lintel damage, it’s always best to check with your insurer before making a claim.
Is sagging lintel damage covered by insurance?
There are a few things that you should know about sagging lintel damage and insurance coverage. Most importantly, insurance companies typically don’t cover this type of damage. That’s because it’s considered to be preventable.
If your home has a sagging lintel, it’s important to get it fixed as soon as possible. Otherwise, the weight of the lintel could cause further damage to your home. And, if that happens, your insurance company is likely to deny any claims for damages.
So, if you have a sagging lintel, don’t wait to get it fixed. And, if you do have any damage from a sagging lintel, don’t expect your insurance company to pay for it.
How to prevent sagging lintel damage
Sagging lintel damage is a common problem in older homes. The lintel is the horizontal beam that supports the weight of the bricks above the opening. Over time, the lintel can sag due to the weight of the bricks and mortar. This can cause cracks in the brickwork and eventually lead to collapse.
There are several things you can do to prevent sagging lintel damage:
1. Check the condition of your lintels regularly and have any cracks repaired promptly by a qualified tradesperson.
2. If you live in an older home, have your lintels checked by a structural engineer to ensure they are still structurally sound.
3. Make sure any new additions or renovations to your home are designed with adequate support for the weight of the materials used. This includes ensuring that load-bearing walls are properly supported.
4. If you suspect your lintels are starting to sag, contact a professional for assistance. Do not attempt to repair or replace them yourself as this could potentially make the problem worse.
Conclusion
In conclusion, it is important to remember that your home insurance might not cover damage caused by a sagging lintel. If you are concerned about the structural integrity of your property, it is always wise to contact a professional for an assessment and advice on what steps should be taken to remedy the problem.
Many companies will offer free inspections that can help determine whether or not there is any cause for concern with regards to your lintels and other structural elements. Taking these preventative measures before any serious damage occurs can save you time and money in the long run.
