in What Circumstance Would a Property Insurance Claim be Rejected? Good, Great, or Garbage?

Home Insurance Claim Rejected Keeping up with your premium payments is especially important. Your insurance company will require that you pay your premium on time. After a disaster such as a fire or flood occurs to your home or business, perhaps the worst news is finding out that your claim has been denied. Here are some of the most common reasons for claim denials, and tips to prevent this possibility in the future.

Your insurance policy will require that you notify them promptly of any loss. There are also time sensitive requirements for the filing and documentation of any claim. Keeping up with your premium payments is especially important. Your insurance company will require that you pay your premium on time.

Post-disaster, you can expect your insurance company to send their own adjuster to investigate your claim. If they find anything suspicious or questionable involving the original application for coverage or with the claim itself, it is possible that your claim will be denied.

One of your responsibilities as a property owner is to file and prove your claim to the insurance company—it is not the insurance company’s job to prove the claim to themselves. Therefore, it is important that you accurately document the damage done to your property in a detailed manner by taking photographs in the aftermath to submit to help prove your case.

Every property insurance policy comes with its exclusions. If the cause of your property damage is excluded from coverage in your policy, then you can expect your claim to be denied.

Check your insurance policy for all the deadlines involved in making a claim. Every part of the claims process may be time sensitive. For example, check deadlines for documenting the damage as well as filing paperwork. If your claim is rejected, ask your insurance company about deadlines for filing appeals.

If the insurance company rejects your claim, you have the right to dispute the issue within the appeals deadline. Contact your claims adjuster first. You’ll need to find out exactly why the insurance company rejected your claim. The company should send you a formal letter explaining why they rejected you; if anything in that letter is unclear, contact the company and ask questions until you understand. If you decide to appeal the rejection, prepare as much evidence as you can to support your case.

When it comes to preventing property damage, storage techniques are key. Not sure how to store your family’s heirlooms? Our colleagues at Prism Specialties have some archival method tips for you. If your computers have been damaged, check out Electronic Restoration Services’ tips for recovering data from damaged hard drives.

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