The main exclusion on policies is damage caused by ‘wear and tear’. A home insurance policy is meant to cover damage cause by sudden and unexpected events, not things wearing out, breaking down or failing because they have not been maintained properly.
It is important that you regularly assess and maintain your property, including the roof, gutters and bath/ shower sealant to prevent any gradual problems forming.
Home insurance is not a substitute for proper maintenance!
For a more exhaustive list of exclusions, please check the policy wordings, or ask one of our experts, as these vary from policy to policy.