My Homeowners Insurance Claim was Denied – Here’s Why
Even though most homeowners insurance claims are approved, there are many circumstances in which an insurance company may deny your claim. For this reason, it’s important to know what not to do when making your claim, including these five common mistakes that will likely cause your claim to be denied by the insurance company. In many cases, homeowners insurance claims are denied because the homeowner does not have the documentation to prove their claim. In this article, I will be going over what needs to be done in order to get your claim approved by your insurance company. Plus, I will give you some tips on how you can avoid problems with your Homeowners Insurance Claim Denied in the future. If you are having issues with your homeowners insurance claim, be sure to keep reading!
This Happened to Me
Last week, I found out my Homeowners Insurance Claim Denied. The reason? The insurance company said they had no record of me living at my home address. So, I did what any rational person would do: I called the insurance company and asked them to provide documentation that they were aware of my residency at this address. They couldn’t provide it.
I Reported the Incident
I reported the damage to my home to my insurance company. I had a windstorm and hail storm that damaged my roof and siding. The storm caused so much damage that it also blew out the windows in my bedroom.
The insurance company looked at photos of the damage, and checked out the damages on site. They said it would cost about $12,000 for repairs and were not able to give me coverage because they said I had a pre-existing condition.
I Received a Letter in the Mail
A few weeks ago, I received a letter from my homeowners insurance company saying that my claim for damages to my home had been denied because of an act of nature clause in the policy. The letter did not specify which act of nature had caused the damage, but it said that I could call them for more information. When I called and spoke to someone on the phone, they told me that some sort of storm had damaged my roof and as a result water leaked into my kitchen. The storm must have happened at night when I wasn’t there and so nothing was stolen or tampered with inside the house. My homeowner’s insurance should cover this! How can this be natural?
How to Request an Additional Insured Letter
If your Homeowners Insurance Claim Denied, don’t panic. There are steps you can take to make sure you’re able to get reimbursed for what you’ve lost. One way is by requesting an additional insured letter. This letter states that the additional person or entity is covered under the same policy as the main insured and may be held responsible in the event of a loss. In other words, it says that whoever caused your damage may be liable for more than just their own damages.
What Does an Additional Insured Letter Do?
If you need to file a Homeowners Insurance Claim Denied, there are a few things you can do. You can file an additional insured letter with your homeowners insurance company. An additional insured letter will make the named party on the policy be covered as if they were an insured person on the policy. This means that they would be responsible for any damages that occur in the premises of their house or apartment.
The Investigation Begins
We’ve been living in our house for three years and never had any problems with the roof, so when we had a hail storm last week, I didn’t think much of it. However, when the insurance adjuster came out to inspect the damage, he said that there was some preexisting hail damage on our roof. The problem is that I have no idea how old it is or if we even had another storm before this one because I don’t live here all the time. My neighbor told me that she saw the water marks from previous storms on her side of the roof, but not mine. If you need help with your Homeowners Insurance Claim Denied and want to see what you can do about it,
Finally, Some Good News
I want to share with you the story of my experience with homeowners insurance so that you don’t have to go through the same thing. My claim was denied because I had a water leak from my shower. They said that it wasn’t covered under their policy even though I had water leaking from two other places in my home. But, luckily for me, there were other options. I found someone who would offer me a new policy with full coverage and lower premiums than what I originally had. It was easy to switch too. All I did was send them an email telling them that I wanted to cancel my current policy. They got back to me right away and helped me get set up with a new one without any hassle at all. So if you’re looking for homeowners insurance, give them a call today!
The Final Word
It can be a very confusing and disappointing experience when your homeowners insurance claim is denied. The best thing you can do is to research the reason for the denial and make sure you are not being penalized unfairly. One common cause of denials is inadequate homeowner’s coverage limits on the property that has been damaged. In other words, if your home is worth $200,000 but you only have $150,000 in coverage, then a loss of up to $50,000 could lead to a Homeowners Insurance Claim Denied. If this is the case, then it might be wise to adjust your coverage limit to compensate. Another potential culprit for denial is an incorrect or insufficiently detailed report of loss (ROL). Again, this would be something that you should look into and take care of accordingly before resubmitting any paperwork. You may also want to get an appraisal done by a professional appraiser who works with homes like yours regularly. Make sure they know what they’re doing so that their findings will help bolster your case and lessen the chance for future problems down the line.
