Unfortunately, there are many valid reasons why an insurance claim may be denied. A few of the most common issues include:
- Missing filing deadlines
- Policy limitations and exclusions
- Lack of evidence of damage
- Lack of medical need
- Failure to prevent further property damage
- Unpaid insurance premiums and deductibles
Another thing to note is that, for property damage, one common cause of denied claims is damage not categorized as a covered peril. For instance, while most homeowners’ insurance policies include coverage for things like fire damage and tornadoes, some specific types of damage, most notably flood damage, may not be covered.