Unfortunately, a claim is a claim to an insurer. In fact, most successful claims aren’t the fault of the individual making a claim. If you are found to be at fault, your claim will likely be rejected.
For example, an insurer will deem you at fault if your home is burgled after you leave your windows open or your house floods after you leave a tap on. For that reason, these won’t be valid claims. If your home is forcibly broken into, that will be a valid claim.