Claims can be denied for different reasons. Some may be more apparent than others, but either way, it will be up to you to investigate why the insurance company chose to deny your claim. The following are common reasons;
Negligence – Poor property maintenance
Non-cover peril – An event that is considered to be an exclusion that is not covered
Insufficient coverage – Not enough coverage in place to sufficient payout for the amount of damage that is claimed
Not filing a claim in a timely fashion – Waiting to file your claim is one of the biggest reasons why claims are eventually denied
Whether you are filing on an exclusion or you don't have enough coverage to sufficiently pay for your claim, a denial can be just as traumatizing as a damaging event. It's important to learn why the claim was denied and what you may be able to do to reverse the decision.