There are many reasons why your home insurance company might deny a claim. Some of the most common reasons include:
-You didn't have enough coverage: Make sure you have enough dwelling and personal property coverage to cover the cost of rebuilding your home and replacing your belongings.
-Your policy has exclusions: Every policy has exclusions, which is fine print that outlines what is not covered by your insurance. Common exclusions include damage from floods, earthquakes, and sinkholes. Review your policy carefully so you know what is excluded.
-Your claim is for something that isn't covered: Home insurance policies cover damages caused by certain perils, such as fire, windstorms, and hail. If the cause of the damage isn't listed in the policy, then it likely won't be covered. For example, if a pipe bursts and causes water damage, that would be covered. But if the pipe burst because it was old and poorly maintained, then it likely wouldn't be covered since it would be considered preventable damage.
-You filed a claim for normal wear and tear: Normal wear and tear is any type of damage that occurs over time due to regular use or exposure to the elements. It's not something that would be covered by insurance since it's not unexpected or sudden. An example would be faded paint or worn carpeting. Insurance companies typically only cover sudden and unexpected damages, like those caused by a storm or burglary.