I received a feed forward card a while back stating the listener was not aware that maintenance items like rotten wood on windows or degraded shingles on a roof falls on the homeowner, as maintenance is not a covered loss under a home insurance policy. As a result, I always talk to my exisitng and potential clients now about how maintenance items are not covered losses on a policy. It has provided many opportunities to refer our team's roofer for a free inspection, as our handyman who can easily address some of the maintenance concerns before they get too out of hand, as well asour mold remediation contractor!