Don't get caught off guard by a denied home insurance claim. Educate yourself on these common reasons why claims can be rejected.
1. Lack of coverage: Your policy might not cover what caused the damage.
2. Policy coverage limits: Ensure you're not trying to claim more than your limit.
3. Negligence: Keep your home in good shape to avoid claim rejections.
4. Intentional acts or criminal activity: Your policy won't cover damage caused intentionally.
5. Providing false information: Always be honest – your insurer will find out if you're not.
6. Non-disclosure of facts: Tell your insurer everything they need to know.
7. Insufficient documentation: Make sure you have proof of your claim.
8. Missing a filing deadline: Don't wait too long to file your claim.
9. Expired insurance policy: Don't let your policy lapse.
10. Non-payment of premiums: Keep up with payments to avoid problems.
If your claim does get denied, here's what you can do:
- Check for errors and review the decision.
- Speak with your insurance broker to best understand coverage limitations.
Honesty is vital when it comes to insurance claims. Be upfront, keep records, and stay on top of your policy. If you have any questions about your house insurance policy, send us an email:
info@easyinsure.ca