When you own a home , you expect your insurance policy to protect you from unexpected damage. But what about damage that results from slow wear and tear? That’s where maintenance endorsements come in—a powerful, often-overlooked tool in protecting your biggest investment.

If you live in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , here’s why you should consider adding a maintenance endorsement to your homeowners or property insurance policy.

A maintenance endorsement is an optional add-on to your insurance policy that helps cover specific types of damage caused by gradual deterioration or maintenance-related issues.

Most standard policies don’t cover damage that happens over time—things like small roof leaks, A/C breakdowns, or slow plumbing issues. These are considered part of a homeowner’s responsibility to maintain. But with a maintenance endorsement, you can shift some of that risk to your insurance provider.

In Arizona, our homes face extreme heat, dust storms, and seasonal monsoons —all of which put extra strain on roofs, HVAC systems, plumbing, and building materials. Over time, these elements wear down your home, even if you’re staying on top of regular upkeep.

In places like Tempe and Phoenix, where the summer sun can cook your roof tiles and your A/C runs nonstop, a small maintenance issue can quickly turn into an expensive repair.

Coverage varies by insurer, but a maintenance endorsement might include:

Gradual water damage from undetected plumbing leaks Minor roof leaks due to wear or weather Aging HVAC components Water heater or built-in appliance deterioration Slow-developing mold or mildew from moisture buildup

These are problems that usually aren’t covered by standard policies—but with the right endorsement, you can avoid paying the full cost out of pocket.

Even with a maintenance endorsement, some issues remain excluded. Typically, it will not cover:

Pre-existing damage before the policy started Pest infestations Foundation settling or cracking Cosmetic repairs (like faded paint or worn flooring) Damage caused by neglect or lack of any maintenance

It’s still important to do your part and keep your home in good condition—but this endorsement offers a financial safety net when time and nature take their toll.

If you own an older home, manage rental properties , or have already dealt with things like roof leaks, aging plumbing, or HVAC issues, a maintenance endorsement could be a very smart move.

It offers:

Peace of mind Smaller out-of-pocket repairs Protection for commonly excluded issues

Think of it as a financial cushion for the things you can’t always catch in time.

At Riseson Insurance , we help homeowners throughout Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler protect their property the smart way—with insurance strategies that go beyond the basics.

Don’t wait until that tiny leak becomes a major renovation. A maintenance endorsement might be the most affordable way to prevent a small problem from becoming a big, expensive one.

Reach out to Riseson Insurance in Tempe to get a quote and review your coverage. Call us at 602-460-5470 and let’s make sure your home insurance is ready for everything Arizona throws your way.

What Is a Maintenance Endorsement?

Why They Matter in Arizona

What Does a Maintenance Endorsement Cover?

What’s Not Covered?

Is It Worth It?

Serving Homeowners Across Arizona

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• Gradual water damage from undetected plumbing leaks
• Minor roof leaks due to wear or weather
• Aging HVAC components
• Water heater or built-in appliance deterioration
• Slow-developing mold or mildew from moisture buildup

• Pre-existing damage before the policy started
• Pest infestations
• Foundation settling or cracking
• Cosmetic repairs (like faded paint or worn flooring)
• Damage caused by neglect or lack of any maintenance

• Peace of mind
• Smaller out-of-pocket repairs
• Protection for commonly excluded issues