Insurance claim denied - picture of claim rejectedInsurance Claim Denied | If your home insurance claim has been denied or rejected, you probably learned about it from a letter you received from the insurance adjuster assigned to the claim.

The letter should have explained the reason why your claim was denied, and referenced the portion of your policy that supports the company’s decision.

If the letter did not fully explain why your home insurance claim was denied, you need to call your insurers and clarify the reason with your loss adjuster.

The main reasons why insurance claims are denied

Below are the seven main reasons why insurance claims are usually denied:

1. Non disclosure of material fact
If you take a new policy without informing your new insurer of previous claims and facts with previous insures they can repudiate your claim based on non disclosure of material fact- Always disclose your claims history as it changes your underwriting criteria and different loadings will be applied.

2. Policy Exclusions– Wear and Tear, Gradual deterioration, breakdown in materials, lack of maintenance etc. are usually grounds for a claim not being covered. (however if your pipes leak due to wear and tear your insurance company will still cover the resultant water damage).

3. Changes in policy risk during insurance period
If you for some reason during the course of a policy your risk increases insurers will need to be informed and they may increase premium . the most common risk increase in domestic homes is sub letting or renting of property. These must be disclosed to insurers mid policy.

4. Un-occupancy or Un-attended property

If your property is un occupied for periods over 30-60 (depending on policy)days certain aspects of policy cover may be removed and reduced as the risk of damage is increased with un-occupancy. If you are leaving your property unattended for a lengthy period inform insurers and they will advise on precautions to comply with policy conditions.

5. Non insurable interest

You can only insure property you have an interest in. i.e. if a work owned laptop is stolen from your home your insurer will not cover this item. Your employer is the party with the insurable interest and is legally responsible for insuring this item.

6. Failure to pay insurance premium or direct debit is declined

Unfortunately if you fail to pay your insurance premium or your direct debit is declined, your insurance lapses. Always make sure that you have sufficient funds in your account to cover the premium, it is not worth the risk of having your insurance claim rejected.

7. Late Notification

If you suffer a loss you need to inform your insurance company as soon as possible. Some insurers allow up to 30 days to report a claim. Not reporting a claim in good time may lead to your claim be refused.


Insurance Claim Denied? We may be able to help…

There are cases where the reason for a denied homeowners insurance claim are clear, however, there are those times where the decision is not so black and white. Keep in mind that if the insurance company finds a grey area, they will typically favour denying the claim and saving money!

Taking action to dispute a home insurance claim that has been denied can be difficult, but if you have a valid reason, it is worth fighting for your rights. Give Insurance Claim Solutions a call, we may be able to help.


Contact Details

Insurance Claim Solutions
Golf Rd, Rush, Co. Dublin

Mobile: 086 357 1713
Phone : 01 870 9210

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

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Vincent Hanley
Vincent Hanley
13:59 22 Sep 22
I would be happy to recommend Trevor Kelly (Insurance Claim Solutions) in the event you need to make a claim on your household insurance. We recently had a serious leak in our hot water pipes and Trevor’s prompt attention was the essence of professionalism. It also took the hassle and stress out of dealing with the Insurance Company’s loss adjuster and with the pursuit of our claim. Couldn’t recommend him highly enough and would be very comfortable recommending him to family and friends.
Roger Kear
Roger Kear
10:59 04 Sep 22
The level of service that I received from Trevor Kelly was second to none. This was my first major claim with an Insurer and unsure of the process. Trevor took away all that worry. He was polite, reassuring, punctual and efficient. He dealt will all the details of the claim and completely took away all the hassle. If ever there was a service that I would recommend then it has to be Trevor Kelly. If anyone has the misfortune to make an insurance claim then the first call they should make should be to Trevor Kelly.
Eimear McBride
Eimear McBride
13:13 22 Aug 22
I would highly recommend Trevor's services. He guided me through the process from beginning to end, along with providing helpful advice along the way. He was responsive, efficient, practical and empathetic throughout.
Sherin Mathew
Sherin Mathew
16:42 18 Aug 22
Excellent service.....We went through a tough time and Trevor was there to support us... Proffessional and approachable.... Highly recommending.......
sheila hayes
sheila hayes
09:16 04 Aug 22
I used Trevor's company after I had a leak under my floor, he came recommended to me from leak detectors and the same day as I made the call Craig came out to inspect the damage and he handled everything from there on. I was very anxious as my insurance company had told me they would not cover the damage as I was causing it myself by having to dig up the floor to find the leak but Craig assured me it would be sorted. I am extremely happy with the settlement and the service from Insurance Claim Solutions. I would urge anyone in this position to contact them they take all the worries away.
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