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      • Kristy Phillips
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      • Wendy Coleman
  • Practice Areas
    • Property Damage Insurance Claims
      • Hurricane Damage
      • Wind And Hail Damage
      • Denied, Delayed and Underpaid Insurance Claims
      • Fire Damage
      • Water Damage
      • Tornado Damage
      • Vandalism Claims
      • Residential Bad Faith Insurance
      • Commercial Bad Faith Insurance
      • Bad Faith Insurance FAQ
        • Property Damage Claims: What To Know
        • Common Difficulties With Insurance Claims
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  • Home
  • About
    • Shaun Wesley Hodge
    • Mike N. Cokins
    • Kelly C. Hairfield
    • John Rohlf Jewell
    • William L. Pratt
    • Michael E. Cooper
    • Matthew Stephen Russo
    • David M. Buergler
    • Mikal David Williams
    • Michael Fridman
    • Our Staff
      • Becky A. Bethscheider
      • Kristy Phillips
      • Gabriel N Bethscheider
      • Emily A Forasiepi
      • Lucy Dawson
      • Wendy Coleman
  • Practice Areas
    • Property Damage Insurance Claims
      • Hurricane Damage
      • Wind And Hail Damage
      • Denied, Delayed and Underpaid Insurance Claims
      • Fire Damage
      • Water Damage
      • Tornado Damage
      • Vandalism Claims
      • Residential Bad Faith Insurance
      • Commercial Bad Faith Insurance
      • Bad Faith Insurance FAQ
        • Property Damage Claims: What To Know
        • Common Difficulties With Insurance Claims
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  5. 4 reasons home insurers deny property damage claims

4 reasons home insurers deny property damage claims

On Behalf of The Hodge Law Firm, PLLC | Mar 26, 2021 | Property Damage Insurance Claims |

When natural disasters strike, you may expect your home to sustain damage. What you may not expect, however, is for your insurer to deny your home insurance claim. Nonetheless, countless families have had this experience.

If you have run into difficulty with your insurance company, you are not alone. As it turns out, there are several common obstacles people often encounter.

1. Damage is outside policy coverage

Most insurance policies have exclusions. For example, you may find that complicated issues such as mold are missing. In addition, your insurer may require you to purchase a separate policy for flooding or earthquakes.

2. Damage is outside policy timeframe

Insurers also deny claims because damages occurred outside of the policy’s timeframe. When you look at your insurance documentation, it should list a specific coverage period. Insurers will only approve claims that fall within that timeframe.

3. Homeowners wait too long to file

You want to file your claim as soon as possible. Even if you have questions about filing, do not let confusion hold you back. Waiting too long can cause the insurance company to deny your claim.

4. Someone else is at fault

Negligence can occur in many ways. Sometimes, insurers follow unfair practices and fail to uphold the conditions of policies. Other times, a damage remediation contractor may not complete a repair properly.

When natural disasters damage your home, the last thing you need is an insurance claim denial. Understanding why denials happen can help you prepare in case it happens to you.

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