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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Karl Spratt
Karl Spratt
16:47 28 Nov 22
Recently had a bad leak in our upstairs bathroom, I was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor and the Team at Insurance Claim Solutions made everything hassle free, they dealt with all aspects of our claim. Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
Susie Webster
Susie Webster
12:35 03 Nov 22
Recently had a bad leak in my bungalow, was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
N roy
N roy
19:20 23 Oct 22
Trevor was recommended to us only 4 weeks ago. We had a leak in kitchen which we thought would need just a new floor. Trevor came in and from that moment onwards we were in safe hands, far more damage than we ever thought thanks to Trevor, he did all the work with our insurance company, no hassles at all. If you have something happen at home and are thinking of using your insurance look no further than Trevor. His knowledge his second to none, best decision we have made in years. 5 stars isn't enough.ThanksNigel and Mags
Graham Nugent
Graham Nugent
09:24 20 Oct 22
I am delighted to recommend Insurance Claim Solutions to anyone facing a need to submit a home insurance claim. We had a significant escape of water from our attic tank while we were away, and came home to quite a smelly mess and water damage. We contacted Insurance Claim Solutions and really appreciated Trevor Kelly's attention to detail, and his professionalism. Trevor is a really good communicator and he is friendly, he took away all of the hassle and bureacracy for us; and as an industry expert he was thorough in preparing our claim and negotiating on our behalf. We handed everything over to Trevor and had no regrets; now that the claim has been settled, we could not be more satisfied. Thank you Trevor.
Eoin Donohoe
Eoin Donohoe
09:21 30 Sep 22
I recently worked with Trevor on a housing claim that required experienced support from a top quality professional. Trevor certainly is a high quality professional who provided great support. Trevor is a great communicator and was extremely good at keeping me up to date on how the process was progressing. He kept me reassured that the issue had his focus and commitment at all times. I would highly recommend Trevor.
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