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?

Answer
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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Savannah Grabek
Answered on Mar 05, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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