{"id":10535,"date":"2022-02-14T15:25:16","date_gmt":"2022-02-14T15:25:16","guid":{"rendered":"https:\/\/evergreenprotect.com\/?p=10535"},"modified":"2022-02-14T15:11:37","modified_gmt":"2022-02-14T15:11:37","slug":"why-would-insurers-deny-my-property-insurance-claim","status":"publish","type":"post","link":"https:\/\/evergreenprotect.com\/tips\/homeowners-insurance\/why-would-insurers-deny-my-property-insurance-claim\/","title":{"rendered":"Why Would Insurers Deny My Property Insurance Claim?"},"content":{"rendered":"<p>You buy insurance coverage to help protect your investment when you own a property. The last thing you want is bothering about your insurer denying your claim when things go wrong.<\/p>\n<p>Filing a property insurance claim is simple. But why does some claim get approved while others are denied? Here are common reasons why your property insurance claim could be declined.<\/p>\n<p><strong>Damage Not Covered by Your Insurance<\/strong><\/p>\n<p>Property insurance doesn&#8217;t cover everything, and your specific policy may not cover the damage you sustained. However, most standard policies cover damages from:<\/p>\n<ul>\n<li>Theft<\/li>\n<li>Explosion<\/li>\n<li>Fire and lightning<\/li>\n<li>Vandalism, riot, malicious mischief, and civil commotion<\/li>\n<\/ul>\n<p>Standard policies don&#8217;t cover some types of damage and may require an add-on. Common add-ons include:<\/p>\n<ul>\n<li>Sinkhole<\/li>\n<li>Flooding<\/li>\n<li>Earthquake<\/li>\n<\/ul>\n<p>Your claim will be denied if your policy doesn&#8217;t cover your damage.<\/p>\n<p><strong>Missing the Filing Deadline<\/strong><\/p>\n<p>You will have your claim denied if you fail to file your claim as soon as possible. The time limits for filing a property insurance claim vary based on your specific circumstances and policy terms.<\/p>\n<p><strong>Premium Wasn&#8217;t Paid<\/strong><\/p>\n<p>Your property insurance claim will be denied if you forget to pay your premium. This means you don&#8217;t have coverage when you think you did. Pay your insurance payments to avoid losing your coverage.<\/p>\n<p style=\"text-align: center\"><strong>Tips to Avoid Claim Denial<\/strong><\/p>\n<ul>\n<li>Understand your time limits for filing a claim<\/li>\n<li>Pay your insurance premiums on time<\/li>\n<li>Inform your insurer of any loss immediately<\/li>\n<li>Know what your policy covers and excludes<\/li>\n<li>Take all proper steps after a loss to protect the property.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>You buy insurance coverage to help protect your investment when you own a property. The last thing you want is bothering about your insurer denying your claim when things go wrong. Filing a property insurance claim is simple. But why does some claim get approved while others are denied? Here are common reasons why your [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":10536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"_links":{"self":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts\/10535"}],"collection":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/comments?post=10535"}],"version-history":[{"count":0,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/posts\/10535\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/media\/10536"}],"wp:attachment":[{"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/media?parent=10535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/categories?post=10535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evergreenprotect.com\/wp-json\/wp\/v2\/tags?post=10535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}