Common Reasons Why Your Home Insurance Claim Would Be Rejected

home insurance policy

As a homeowner, you do a lot of things to ensure your home is safe. You lock the doors, clean out the gutters, test fire alarms monthly. Yet, when disaster strikes in the home, you go to file a claim and find out its been declined by your insurance company. Don’t fall victim to this – follow these tips and you can prevent your home insurance claim from being rejected.

Failure to maintain the quality of the home

Damage caused over a period of time would not be covered. For example, if there is water seeping through a crack in the roof that causes substantial mold and structural deterioration, it would not be covered under most standard homeowners policies. It is the responsibility of the homeowner to perform regular maintenance.

Wear and tear

Similar to maintaining the quality of the home, homeowners must ensure that the property is kept in good condition and is well maintained. If it isn’t the damage for a claim could end up being your responsibility rather than the insurers. If you neglect the property and then make a claim for a burst water pipe, for example, the insurer may find that the reason the problem occurred was due to the homeowner’s negligence, rather than the pipe being affected by the cold weather.

Incorrect coverage

Some homeowners believe that they have more coverage than they actually do. For example, homeowners are often under the impression that their policy will step in to help when there has been a flood. While your standard coverage will cover water damage, it will not cover floods. A separate flood insurance policy is needed for protection.

When you’re looking to protect your property, contact your insurance professionals at American Premier Insurance. Our dedicated experts are ready to assist you with all your home insurance needs in Phoenix, Tucson, and beyond.