Homeowners Insurance Claim Denied: What to Do When You’re Denied Coverage


Owning a home is a big investment and protecting it is crucial. That’s why many homeowners purchase insurance to protect their home and belongings from unforeseen events such as theft, fire, and natural disasters. Unfortunately, even if you have insurance, there’s no guarantee that you’ll be covered when you need it the most. In some cases, insurance companies may deny your claim, leaving you to deal with the aftermath of a loss on your own. In this article, we’ll explore the reasons why a homeowners insurance claim may be denied and what you can do if you find yourself in this situation.

Reasons for a Denied Homeowners Insurance Claim

There are several reasons why a homeowners insurance claim may be denied. Understanding these reasons can help you avoid making mistakes that could jeopardize your coverage.

Policy Exclusions

Most homeowners insurance policies have exclusions that specify what is not covered. For example, damage caused by floods or earthquakes is typically not covered unless you purchase additional coverage. If you file a claim for damage caused by an excluded event, your claim will likely be denied.

Failure to Report a Claim in a Timely Manner

Insurance policies require that you report a claim promptly. Failing to do so can result in a denial of coverage. If you’re not sure whether you should file a claim, it’s a good idea to contact your insurance company to discuss your options.


Providing false or inaccurate information when you purchase your policy or file a claim can result in a denial of coverage. For example, if you claim that your home is occupied when it’s actually vacant, your claim may be denied.

Lack of Maintenance

Homeowners are responsible for maintaining their homes. If damage occurs as a result of neglect or lack of maintenance, your claim may be denied. For example, if you fail to fix a leaky roof, and water damage occurs as a result, your claim may be denied.

Acts of God

Certain events are considered “acts of God,” which means they are beyond human control. These events may include earthquakes, floods, and tornadoes. If damage occurs as a result of an act of God, your claim may be denied.

What to Do When Your Claim is Denied

If your claim is denied, don’t panic. There are several steps you can take to appeal the decision.

Review Your Policy

Review your policy to understand the reason for the denial. If the reason is unclear, contact your insurance company to request clarification.

Gather Evidence

If you believe your claim was wrongfully denied, gather evidence to support your case. This may include photographs, receipts, and witness statements.

Hire an Attorney

If you’re having difficulty getting your claim approved, consider hiring an attorney who specializes in insurance law. An attorney can help you understand your rights and negotiate with your insurance company on your behalf.

File a Complaint

If all else fails, you can file a complaint with your state’s insurance department. The department will investigate your claim and may be able to help you resolve the issue.

Preventing a Denied Claim

The best way to prevent a denied homeowners insurance claim is to be proactive. Here are some tips to help you protect your coverage:

Read Your Policy

Before you purchase a policy, read it carefully to understand what is covered and what is not. If you have questions, ask your insurance agent for clarification.

Report Claims Promptly

If you experience a loss, report it to your insurance company promptly. Failure to do so can result in a denial of coverage.

Author Bio

I am Lucy Jack, and I have been working as Content Writer at Rananjay Exports for past 2 years. My expertise lies in researching and writing both technical and fashion content. I have written multiple articles on Gemstone Jewelry like jewelry brand manufacturer and other stones over the past years and would love to explore more on the same in future. I hope my work keeps mesmerizing you and helps you in the future.