Most homeowners understand that insurance companies don’t cover damage caused by normal wear and tear and natural aging of structural materials. Yet, you might not have realized that the following can also result in a denial:
- Waiting too long to submit the claim
Insurance companies require that you file your claim and initial statement within a specific time frame. If you miss the period outlined in your policy, your insurer can deny your claim.
- Misreporting anything in your statement
Misreporting goes beyond misleading descriptions of the type and level of damage. Insurers also deny claims if you don’t provide enough details or the correct cause of the damage. For example, if a tree limb takes out a window during a storm, the branch alone didn’t cause the damage. You must also mention the strong winds, the tree’s location in proximity to your home, if known, and other specifics about the incident.
At Affordable Insurance, our experienced team is dedicated to educating policyholders to reduce delays when submitting claims and denials caused by mistakes. For more information, call today.