Siding Damage Insurance Claims A Homeowners Guide

Has a rogue hailstone assaulted your pristine siding? Or perhaps a mischievous wind has left its unwelcome mark? Navigating the world of siding damage insurance claims can feel like traversing a minefield of jargon and paperwork. Fear not, homeowner! This guide unravels the complexities of securing compensation for siding damage, from understanding your policy’s fine print to negotiating a fair settlement with your insurance adjuster.

We’ll equip you with the knowledge and strategies to successfully navigate this often-frustrating process, leaving you with a repaired home and a newfound appreciation for the intricacies of insurance.

We’ll explore the various types of siding damage covered (or, sadly, not covered) by insurance, detailing the claims process step-by-step, and offering invaluable tips for documenting damage and interacting with insurance adjusters. We’ll even delve into preventative maintenance strategies to help you avoid future siding calamities. Prepare to become a siding damage insurance claim ninja!

Types of Siding Damage Covered by Insurance

Navigating the world of siding damage and insurance claims can feel like traversing a particularly soggy swamp – murky, unpredictable, and potentially full of unexpected critters (like hidden clauses!). But fear not, intrepid homeowner! This guide will illuminate the path towards a successful claim, shedding light on what your insurance policy might, and might not, cover. Remember, always consult your specific policy documents for the most accurate information.

Understanding what your homeowner’s insurance covers regarding siding damage is crucial. Different types of siding, from the humble vinyl to the sophisticated fiber cement, are susceptible to various perils, and the coverage can vary depending on the cause and the specifics of your policy. Let’s delve into the fascinating (and sometimes frustrating) world of siding insurance.

Types of Siding Damage and Their Causes

Several factors determine whether your siding damage is covered. The type of siding, the cause of the damage, and any exclusions specified in your policy all play a role. Let’s explore some common scenarios.

• Vinyl Siding: This popular choice is vulnerable to hail damage (those pesky ice balls!), strong winds (think tornadoes, hurricanes, or just really enthusiastic gusts), and impact damage (like a rogue basketball or a falling tree branch). Sun damage, cracking due to age, and fading are often
  -not* covered, as they are considered normal wear and tear.
• Wood Siding: A classic choice, but wood is susceptible to rot (caused by moisture), insect infestation (termites, anyone?), and damage from fire or severe weather. Again, normal weathering, cracking due to age, and general decay are usually excluded.
• Fiber Cement Siding: Known for its durability, fiber cement siding can still suffer damage from hail, strong winds, and impact. However, it’s more resistant to rot and insect damage than wood. Like other siding types, normal wear and tear isn’t typically covered.

Common Exclusions in Siding Damage Insurance Policies

Insurance companies aren’t in the business of covering everything under the sun (or hail, for that matter!). Several common exclusions exist, and understanding these is vital to avoiding disappointment.

• Normal Wear and Tear: This is the biggest culprit! Fading, minor cracking due to age, and general deterioration are rarely covered. Think of it as the insurance equivalent of saying “stuff happens.”
• Neglect or Lack of Maintenance: If you’ve ignored obvious signs of damage for years, your claim might be denied. Regular inspections are your friend.
• Pest Infestation (in some cases): While damage
  -caused* by pests might be covered, preventative measures are often the homeowner’s responsibility.
• Acts of God (with caveats): While major storms are often covered, minor weather events might not be, depending on the severity and your policy.

Siding Material Coverage Comparison

Let’s summarize the coverage aspects with a handy table. Remember, this is a general guide, and your specific policy details will always take precedence.

Siding Material	Damage Type	Coverage Details	Exclusions
Vinyl	Hail damage	Typically covered if caused by a covered peril (like a hailstorm).	Fading, cracking from age, general wear and tear.
Wood	Water damage (rot)	May be covered if caused by a sudden and accidental event (e.g., a burst pipe).	Rot due to lack of maintenance, insect damage (sometimes), general decay.
Fiber Cement	Wind damage	Generally covered if the wind damage is part of a larger, covered event (like a hurricane).	Cracking from age, minor chips and scratches from normal wear and tear.
Vinyl	Impact damage	Covered if the impact is from a covered event (like a tree falling during a storm).	Damage from a basketball thrown by your neighbor’s overly enthusiastic child (unless it’s part of a larger covered event!).

The Claims Process for Siding Damage

Filing a siding damage insurance claim can feel like navigating a particularly stubborn squirrel – frustrating, but ultimately achievable with the right approach. Remember, patience and meticulous documentation are your secret weapons in this battle against the elements (and your insurance company). This process Artikels the steps to successfully navigate this often-challenging, yet ultimately rewarding, endeavor.

The process begins the moment you discover the damage. Don’t panic! Instead, grab your camera (or phone) and start documenting. A well-documented claim is a claim more likely to be approved swiftly. Think of it as creating a compelling visual narrative of your siding’s unfortunate demise.

Steps in Filing a Siding Damage Insurance Claim

The steps involved in filing a claim are straightforward, although the time each step takes can vary widely depending on your insurance provider and the extent of the damage. Think of it as a well-orchestrated three-act play, with you as the star.

1. Report the Damage: Immediately contact your insurance company to report the damage. Note the date, time, and a brief description of the incident (e.g., “Hail storm on July 15th damaged the west side of my house”).
2. File the Claim: Follow your insurer’s instructions for filing a formal claim. This usually involves completing a claim form and providing any initial documentation. Think of this as the “act one” of your claim play, where you set the scene.
3. Inspection and Assessment: An adjuster will be sent to inspect the damage. Be prepared to show them the documentation you’ve gathered. This is your chance to shine!
4. Negotiation and Settlement: Once the adjuster has completed their assessment, they’ll provide you with an estimate of the repair costs. You may need to negotiate if you disagree with their assessment. This is the final act, where you get your happy ending (or at least a repaired house!).

Documenting Siding Damage Effectively

Proper documentation is crucial for a smooth claims process. Think of it as assembling a compelling case for your siding’s suffering. A picture is worth a thousand words, especially when it’s a picture of a severely damaged house.

• Photographic Evidence: Take numerous high-resolution photos of the damage from various angles. Include close-ups of the affected areas, as well as shots showing the overall extent of the damage. Don’t forget to capture the date and time using your camera’s timestamp feature.
• Detailed Descriptions: Along with the photos, create a detailed written description of the damage. Specify the location, type, and extent of the damage. Be precise; “significant damage to the south-facing siding near the chimney” is far more effective than “some siding is broken.”
• Witness Statements: If possible, obtain statements from any witnesses who can corroborate your account of the damage. This adds weight to your claim, like a supporting actor in your claim’s play.

Claim Denial Reasons and Appeal Strategies

While you’ve done your best to document everything, sometimes claims get denied. Don’t despair! This is not the end of the play. There’s still time for a thrilling comeback.

Reason for Denial	Appeal Strategy
Damage not covered by policy	Review your policy carefully. If you believe the damage is covered, provide additional evidence or seek clarification from your insurer.
Insufficient documentation	Provide additional photos, descriptions, and any other relevant information to support your claim.
Pre-existing damage	If the damage is partially pre-existing, present evidence that the current damage is significantly greater than what existed previously.

Illustrative Flowchart of the Claims Process

Imagine a flowchart as a visual roadmap guiding you through the claim process. It’s a simplified representation, but it helps visualize the steps involved.

The flowchart would begin with “Damage Occurs,” followed by “Report Damage to Insurer.” Next would be “Claim Filed,” leading to “Insurer Assigns Adjuster.” The adjuster’s inspection would then lead to “Damage Assessment,” followed by “Settlement Offer.” The process concludes with either “Claim Approved and Payment Received” or “Claim Denied (and potential appeal).” Each step would be connected by arrows indicating the flow of the process.

Factors Affecting Claim Settlements

Navigating the world of insurance claims can feel like traversing a particularly soggy bog – unpredictable, potentially messy, and with the ever-present risk of sinking. Understanding the factors influencing your siding damage claim settlement, however, can transform you from a bog-trotter to a seasoned swamp explorer. Let’s delve into the murky depths and illuminate the key players.

The amount you ultimately receive after a siding mishap isn’t just a matter of the damage itself; it’s a complex dance between several factors, each with its own weight and influence on the final payout. Think of it as a meticulously choreographed insurance tango, where the age of your siding, your deductible, and the quirks of your insurance company all play a vital role.

Siding Age and Policy Deductible’s Influence on Claim Payouts

The age of your siding significantly impacts your claim. Older siding, showing signs of wear and tear (think of it as having earned its wrinkles with dignity), may be deemed to have a shorter remaining lifespan, potentially reducing the payout. Insurance companies often consider depreciation – the decrease in value over time – when calculating the settlement. For example, a 20-year-old siding system sustaining damage will likely receive a lower payout than a brand-new one, reflecting the fact that replacing a portion of the older siding represents a smaller overall cost.

This is further complicated by your policy’s deductible, the amount you’re responsible for paying before the insurance coverage kicks in. A higher deductible means a larger initial expense before your insurer starts contributing. A $1000 deductible on a $5000 repair means you’re responsible for a significant chunk upfront, regardless of your siding’s age.

Factors Increasing or Decreasing Claim Settlement Value

Several factors can significantly influence the final claim settlement amount. A well-documented claim, complete with thorough photographic evidence of the damage and a detailed account of the incident, will generally fare better than a poorly documented one. Conversely, pre-existing damage, discovered during the assessment, could lead to a reduced payout. The insurer might argue that the damage wasn’t solely caused by the insured event.

Furthermore, the choice of repair contractor can influence the settlement. Using a reputable, licensed contractor with transparent pricing can strengthen your claim, while selecting an unknown entity might raise red flags and lead to lower reimbursement. Finally, the severity of the damage plays a crucial role; extensive damage will naturally command a higher payout than minor issues.

Comparison of Insurance Company Approaches to Siding Damage Claims

Insurance companies aren’t all created equal, and their approaches to handling siding damage claims vary considerably. Some insurers are known for their swift and efficient processing, while others might take a more cautious, even meticulous, approach, leading to potentially longer processing times. Their assessment methods might differ too; some companies might employ in-house adjusters, while others might rely on independent contractors.

These variations can affect the speed and outcome of your claim. For instance, one company might offer a faster settlement but potentially at a lower value, while another might offer a more thorough assessment, leading to a potentially higher payout but a longer wait. The fine print in your policy dictates the specific approach your insurer will take.

It’s crucial to thoroughly review your policy’s terms and conditions before any incident.

Prioritized Factors Affecting Claim Settlements

Understanding the hierarchy of influence is crucial. The following list prioritizes the factors affecting the final settlement amount, with the most impactful at the top:

• Severity of Damage: The extent of the damage directly correlates with the repair cost and therefore the claim payout. Major damage means a larger settlement.
• Policy Deductible: This is a fixed expense you’re responsible for; a higher deductible means less money from the insurer.
• Siding Age and Depreciation: Older siding will generally result in lower payouts due to depreciation.
• Documentation Quality: Comprehensive documentation strengthens your claim and speeds up processing.
• Contractor Selection: Choosing a reputable contractor enhances credibility and can lead to a smoother process.
• Pre-existing Damage: Pre-existing conditions can reduce your payout, as the insurer may only cover damage directly related to the insured event.
• Insurance Company Policies: Different insurers have varying claim handling procedures and payout philosophies.

Preventing Future Siding Damage

Let’s face it, nobody wants to go through the hassle of another siding insurance claim. It’s like a really expensive, slightly damp, game of Jenga – you don’t want to lose any more pieces! Proactive maintenance is your best defense against a repeat performance of this soggy drama. By taking a few simple steps, you can significantly extend the life of your siding and keep those pesky repair bills at bay.

Think of it as investing in peace of mind – and a much drier house.Regular inspections are crucial for early detection, much like catching a rogue squirrel before it decides to make your attic its five-star hotel. Early identification of problems, no matter how small they may seem (a loose nail, a crack in the paint), prevents minor issues from escalating into major, wallet-draining catastrophes.

Think of it as siding’s version of preventative medicine – an ounce of prevention is worth a pound of… well, you get the picture.

Preventative Maintenance for Different Siding Materials

Different siding materials require different care. Wood siding, for instance, needs regular painting or staining to protect it from the elements. Imagine it as a superhero needing a fresh coat of armor to fight off the villains (sun, rain, and wind). Vinyl siding, while relatively low-maintenance, benefits from occasional cleaning to remove dirt and debris that can dull its appearance and potentially damage the surface.

Think of it as giving your siding a good spa day. Brick or stone siding, while remarkably durable, can still suffer from cracking or mortar damage; regular inspections and prompt repairs are essential. It’s like ensuring the foundations of a castle remain strong. Ignoring these needs could lead to structural problems that cost far more to fix than a little preventative care.

The Importance of Regular Inspections and Early Detection

Regular inspections, ideally twice a year (spring and fall), are paramount. Think of it as a siding health check-up. During these inspections, look for loose or damaged siding, cracks in the caulking, signs of water damage (discoloration, swelling), or insect infestation. Early detection of these problems allows for timely and cost-effective repairs, preventing more extensive and expensive damage down the line.

A small crack ignored can quickly become a gaping hole, leading to water damage and structural problems. It’s like ignoring a tiny splinter – it might seem insignificant at first, but it can quickly become a painful infection.

Protecting Siding from Extreme Weather Conditions

Extreme weather events can wreak havoc on siding. To minimize damage, consider installing protective measures such as gutters and downspouts to divert water away from the foundation. Think of them as your siding’s personal bodyguards, keeping the water at bay. Proper landscaping can also help protect your siding by preventing water accumulation and reducing the impact of strong winds.

Imagine carefully placed shrubs acting as a natural buffer against the elements. For areas prone to hail, consider installing storm shutters or other protective coverings. This is like providing your siding with a sturdy shield against hailstone attacks.

Recommended Preventative Measures by Season

Regular maintenance, tailored to the season, is key to siding longevity. Think of it as a seasonal wardrobe for your home’s exterior.

• Spring: Clean siding thoroughly to remove winter debris; inspect for any damage incurred during the winter months; repair or replace any damaged sections; check caulking and seal any gaps or cracks.
• Summer: Regularly inspect for signs of insect infestation or wood rot; trim overhanging branches to prevent damage from falling debris; consider pressure washing vinyl or other suitable siding materials to remove dirt and grime (avoiding excessive pressure to prevent damage).
• Fall: Clean gutters and downspouts to ensure proper water drainage; inspect for damage caused by strong winds or falling leaves; repair any loose or damaged siding; prepare for winter by ensuring proper caulking and sealing.
• Winter: Regularly check for ice buildup and promptly remove it to prevent damage; inspect for any signs of water damage that may have occurred during storms; keep an eye out for potential rodent activity.

Understanding Insurance Policy Language

Navigating the world of homeowners insurance policies can feel like deciphering an ancient scroll written in a particularly obtuse dialect. Fear not, intrepid homeowner! While the language may seem designed to induce a mild headache, understanding key terms and clauses is crucial for a smooth siding damage claim process. Think of it as a treasure hunt, where the treasure is a swift and fair settlement.Understanding your policy’s fine print is paramount to ensuring you receive the compensation you deserve after a siding mishap.

Failing to grasp the nuances of your policy can lead to frustrating delays, reduced payouts, or even a claim denial. Let’s illuminate some common policy terms and show you how to wield this knowledge like a pro.

Common Policy Terms and Phrases

Many policy terms sound like they belong in a legal thriller, but understanding them is surprisingly straightforward. For example, “actual cash value” (ACV) means the replacement cost minus depreciation. This means your payout will be less than the cost of brand new siding. In contrast, “replacement cost value” (RCV) covers the full cost of replacing the damaged siding with similar materials, regardless of depreciation.

Knowing the difference between ACV and RCV can significantly impact your settlement. Another crucial term is “deductible,” which is the amount you pay out-of-pocket before your insurance kicks in. Imagine it as your initiation fee into the world of covered repairs. Finally, “peril” refers to the cause of damage – in this case, a hail storm, fire, or falling tree could all be considered perils.

Policy Limits and Coverage Specifics

Your policy will specify coverage limits, which is the maximum amount your insurance company will pay for a covered claim. This limit is usually stated as a dollar amount or a percentage of your home’s overall value. Understanding this limit is crucial; if your siding damage exceeds this limit, you’ll be responsible for the difference. Similarly, understanding coverage specifics, such as whether your policy covers damage from specific perils (like wind or vandalism) or excludes certain types of siding materials, is vital.

For instance, some policies might have restrictions on the types of siding they cover, preferring traditional materials over more exotic options.

Policy Clauses Affecting Claim Outcomes

Certain policy clauses can significantly impact your claim’s outcome. For instance, a “co-insurance clause” requires you to maintain a certain level of insurance coverage relative to your home’s value. If you haven’t met this requirement, your payout could be reduced proportionally. Similarly, “exclusion clauses” specify damages not covered by your policy. Common exclusions might include damage caused by normal wear and tear, neglect, or intentional acts.

Imagine the clause stating that damage from a rogue squirrel attempting a daring acrobatic feat on your siding is not covered. While humorous to envision, it highlights the importance of reading the fine print. Finally, “depreciation” clauses, as mentioned earlier, will affect the payout under ACV.

Interpreting Policy Language for Specific Scenarios

Let’s consider a scenario: Your siding is damaged in a hail storm. Your policy covers hail damage, and you have RCV coverage. The estimate for repairs is $10,000, and your deductible is $1,

• In this case, your insurance company should pay $9,
• However, if your policy only offered ACV, and the depreciation was 20%, you would only receive $7,200 ($9,000 less 20% depreciation). The difference in payout is significant, highlighting the importance of carefully reviewing and understanding your policy language. Another example: Your neighbor’s tree falls onto your house, damaging the siding. Your policy covers falling objects. However, if your policy has a clause excluding damage from trees on your property, and the tree was indeed on your property, your claim might be denied.

  Understanding the subtle differences in policy wording can significantly impact the outcome of your claim.

Working with Insurance Adjusters

Navigating the world of insurance claims can feel like traversing a particularly soggy swamp – full of unexpected obstacles and the potential for sinking morale. But fear not, intrepid homeowner! With the right approach, you can transform this swamp into a smoothly flowing stream, leading you to a fair and timely settlement for your siding woes. Understanding how to effectively communicate with your insurance adjuster is key to this successful navigation.Effective communication is the cornerstone of a successful claim.

Remember, the adjuster is there to assess the damage and determine the payout, not to personally sabotage your perfectly manicured lawn. A collaborative, rather than combative, approach will yield far better results. Think of it as a friendly negotiation, not a high-stakes poker game.

Effective Communication Strategies

Clear, concise, and well-documented communication is paramount. Keep all correspondence professional and polite, even when frustration bubbles to the surface (which, let’s be honest, it might). Maintain detailed records of every interaction – dates, times, names, and the gist of the conversation. This documentation will be invaluable if any disputes arise. Consider taking photos or videos of your interactions and keeping a copy of all emails and letters exchanged.

Think of it as creating a compelling visual novel of your claim process!

Preparing for the Adjuster’s Visit

Before the adjuster arrives, gather all relevant documentation: your insurance policy, photos of the damage (taken from various angles and in good lighting), any prior repair or maintenance records, and even receipts for previous home improvements that might be relevant to the claim. Ensure easy access to the damaged area and clear a path for the adjuster to safely inspect the property.

Imagine the adjuster as a highly-paid, yet slightly clumsy, archaeologist carefully excavating the damage to your siding. You want to make their job as easy as possible. Also, having a pet tortoise or a highly excitable poodle present might not be ideal.

Negotiating a Fair Settlement

Negotiating a fair settlement requires a blend of tact and firmness. Present your case clearly and calmly, referencing the documented evidence you’ve collected. If you disagree with the adjuster’s initial assessment, politely explain your reasoning, citing relevant clauses in your policy and industry standards. Remember, a well-reasoned argument, supported by solid evidence, is far more persuasive than emotional outbursts.

Think of it as a friendly debate, where the prize is a new, fabulous siding.

Questions to Ask an Insurance Adjuster

Preparing a list of questions beforehand can ensure you receive all the necessary information. Remember, asking questions doesn’t make you seem incompetent; it demonstrates your engagement and proactive approach.

• What specific aspects of the damage are being considered in the assessment?
• What is the estimated timeline for the claim processing and payout?
• What specific methods will be used to determine the cost of repairs?
• What are the next steps in the claims process?
• What are my options if I disagree with the initial assessment?

Illustrative Examples of Siding Damage

Let’s face it, siding damage isn’t exactly a barrel of laughs. But understanding the different types and how insurance might cover them can transform the experience from a comedic tragedy to a slightly less comedic, but manageable, situation. These examples illustrate the variety of scenarios you might encounter, highlighting the importance of a thorough understanding of your policy.

Wind Damage Scenario: The Great Gale of ’23

Imagine this: a blustery autumn evening, leaves swirling like tiny, malevolent helicopters, and then –WHAM!* A rogue gust of wind, stronger than a caffeinated squirrel, rips a significant section of your vinyl siding right off the house. The damage is concentrated on the west-facing wall, where several panels are completely detached, leaving gaping holes that resemble the surprised mouth of a cartoon character.

Smaller pieces are scattered across the lawn, looking like discarded jigsaw puzzle pieces. The likely cause is high winds exceeding the siding’s structural capacity. Insurance coverage will depend on your policy’s specific windstorm clause and deductible, but the repair is likely covered, minus your deductible, of course. This scenario could cost between $3,000 and $6,000 to repair, depending on the extent of the damage and the cost of labor.

Damage Type	Cause	Description	Estimated Cost of Repair
Wind Damage	High winds	Significant section of vinyl siding ripped off west-facing wall; several panels detached, leaving gaping holes. Smaller pieces scattered across lawn.	$3,000 – $6,000

Hail Damage Scenario: The Ice-Pellet Assault

Picture this: a seemingly innocent summer afternoon turns into a scene from a sci-fi horror movie. A hailstorm, fierce and unrelenting, bombards your home with ice pellets the size of golf balls. Your lovely aluminum siding, once a gleaming testament to your home’s curb appeal, is now peppered with dents and punctures. Many panels exhibit significant damage, displaying a cratered landscape of pockmarks.

The impact caused cracks and even some outright holes in several areas. The likely cause is severe hail damage exceeding the siding’s impact resistance. Insurance coverage should cover the repair, but again, the deductible will be your friend (or frenemy, depending on your perspective). Repairs could cost anywhere from $2,000 to $4,500, depending on the extent of the damage and the need for panel replacements.

Damage Type	Cause	Description	Estimated Cost of Repair
Hail Damage	Severe hailstorm	Aluminum siding heavily dented and punctured; numerous cracks and holes visible; overall appearance significantly marred.	$2,000 – $4,500

Water Damage Scenario: The Case of the Leaky Gutter

Our final scenario unfolds slowly, almost subtly, like a villain in a spy movie. A seemingly minor issue – a clogged gutter – leads to a cascade of water damage over time. Water overflows from the gutter, seeping behind the wood siding and causing rot and discoloration. The damage isn’t immediately obvious; it’s a slow, insidious process. The lower sections of the siding show signs of water staining and warping, and some sections feel soft and spongy to the touch, indicating rot.

The likely cause is prolonged water exposure due to clogged gutters. Insurance coverage is possible, but may be contingent upon the policy’s definition of “sudden and accidental” damage. This scenario could cost $1,500 to $3,000, including the cost of siding replacement and potential underlying structural repairs.

Damage Type	Cause	Description	Estimated Cost of Repair
Water Damage	Clogged gutters and prolonged water exposure	Water staining, warping, and rot visible on lower sections of wood siding; some sections soft and spongy to the touch.	$1,500 – $3,000

Ultimate Conclusion

So, there you have it – a comprehensive guide to navigating the sometimes-treacherous waters of siding damage insurance claims. Remember, proactive maintenance, meticulous documentation, and clear communication are your best allies in securing a fair settlement. While dealing with insurance might not be the most thrilling activity, understanding your policy and knowing your rights can transform a stressful experience into a manageable one.

Now go forth and conquer those claims!

FAQ Insights

What if my deductible is higher than the repair cost?

Unfortunately, if your deductible exceeds the cost of repairs, filing a claim might not be financially beneficial. The repair costs would likely be less than what you’d pay out of pocket.

Can I choose my own contractor for repairs?

Some insurance companies prefer using their network of approved contractors. However, it’s worth inquiring about your options; you may be able to use a contractor of your choice, but the process might require extra steps and approvals.

What if my insurance company denies my claim?

Don’t despair! Carefully review the denial letter, gather additional supporting evidence (if possible), and contact your insurance company to discuss the denial and explore options for appeal. Consider consulting with an attorney if necessary.

How long does the claims process typically take?

The timeframe varies depending on the complexity of the damage, the insurance company, and other factors. It can range from a few weeks to several months. Patience (and possibly a stiff drink) is key.

My siding is quite old. Will this affect my claim?

Yes, the age of your siding can influence the claim settlement. Older siding might be considered more prone to damage, potentially affecting the payout or even leading to claim denial if the damage is deemed due to normal wear and tear.