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What are some common reasons why home insurance claims are denied?

My brother says his claim was denied because he took too long to file it. What are some other common reasons for denial of coverage?

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Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance is very specific to the property that’s being insured, and each company has an idea of the types of homes they want to cover. You can be denied because your roof is too old, if you have a specific type of animal in the home, because you have too much land, or if there are hazards like an unfenced pool or broken-down shed on the property.
When you’re trying to figure out if you could be denied home insurance, take a look around your property to see if there is anything that looks dangerous or old. If it catches your eye, then chances are it will also catch the attention of an insurance inspector when they come to take a look at your home. If you have any questions or concerns about your property, you can always talk to an agent before setting up a new policy.
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