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What next after your homeowner’s insurance claim is denied?


What next after your homeowner’s insurance claim is denied?

On Behalf of | Dec 29, 2021 | insurance claims |

You expect your homeowner’s insurance cover to come through for you in the event of a disaster that destroys your house. However, what you thought would be a straightforward process can become your worst nightmare when the claim is denied. What does it mean for you? Where do you turn to?

Below is what you need to know if the insurer denies your homeowner’s claim.

Why your claim may be denied

There are several reasons why a homeowner’s insurance claim may be denied. They include:

  • A lack of coverage
  • Going beyond the specified deadline for filing your claim
  • Insufficient documentation of the damage
  • Not being up to date with your premiums
  • Non-disclosure of facts about the extent of damage

Carefully go through your insurance policy

Depending on the reasons given by your insurer, you first need to go through your policy and find out whether the reasons given for the denial are valid. If you feel that the reasons do not warrant a denial, you can file an appeal with your insurer.

In some instances, providing more information or supporting evidence about your claim may overturn their decision. However, if it’s not the case, it may be time to turn to the courts.

Filing a lawsuit

If your insurer is acting in bad faith, you may sue them for breach of contract. Remember, an insurance policy is a contract between you and the insurance company. So as long as you are holding up your end, they should meet their obligations when the time comes.

It is crucial to have all the necessary documentation before taking this road. Being well prepared with all the paperwork you need will increase your chances of a desirable outcome – full compensation for your losses.