What To Do When Your Homeowner’s Insurance Claim Is Denied

What To Do When Your Homeowner’s Insurance Claim Is Denied

Insurance

Table of Contents

Reasons for Claim Denial

Your homeowner’s insurance claim may be denied for a variety of reasons. Common reasons for denial include:

  • The damage was caused by an excluded peril, such as flooding or an earthquake
  • The damage was caused by wear and tear or normal aging of the property
  • The damage was caused by a lack of maintenance
  • The policyholder did not follow the proper procedures for filing a claim
  • The policyholder did not provide sufficient evidence of the damage

What to Do if Your Claim is Denied

If your homeowner’s insurance claim is denied, there are several steps you can take to try to get the claim approved. First, review the denial letter from your insurance company to understand the reasons for the denial. Then, contact your insurance company and ask for a detailed explanation of the denial. It’s important to be polite and professional when speaking with your insurance company. You may also want to contact an attorney to review the denial letter and advise you on your options.

If the denial is based on an excluded peril, you may be able to purchase additional coverage to cover the damage. If the denial is based on a lack of maintenance, you may be able to provide evidence that the damage was caused by an unexpected event, such as a storm. If the denial is based on a lack of evidence, you may be able to provide additional evidence to support your claim.

If the insurance company still denies your claim, you may be able to file an appeal with the company. The appeal process typically involves submitting additional documentation and evidence to support your claim. If the appeal is denied, you may be able to take legal action against the insurance company.

What Not to Say to a Home Insurance Adjuster

When speaking with an insurance adjuster, it’s important to be polite and professional. Avoid making statements that could be interpreted as an admission of guilt or as an attempt to mislead the adjuster. Here are some things not to say to a home insurance adjuster:

  • I don’t know how the damage happened
  • I think the damage was caused by a storm
  • I don’t need to file a claim
  • I don’t want to file a claim
  • I don’t need a lawyer