Call Us 888-296-0345 ☰ ˟
Logo
Call Us 888-296-0345
  • Home
  • Get A Quote
    • Automobile
    • Business & Commercial
    • Health
    • Homeowners
    • Life
  • Customer Service
  • Make A Payment Now
  • Resources
    • Make a Payment
    • Secure File Area
    • Refer a Friend
    • Companies We Represent
    • Important Links
    • Insurance Glossary
    • Frequently Asked Questions
  • About Us
    • About Us
    • Employee Directory
    • Privacy Policy
  • Contact Us
    • Contact Us
    • Location Map
    • Join Our Newsletter
  • Blog
Auto and Home Icon

Workers' Comp

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

RV

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Flood

We browse through a wide variety of coverages and find the right one for you.

Learn More
Annuities Icon

Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > 6 Reasons Why Home Insurance Claims are Denied
WEDNESDAY, NOVEMBER 7, 2012

6 Reasons Why Home Insurance Claims are Denied

When dealing with a McAllen home insurance claim, one of the very first steps to take is to make contact with the provider of your home insurance. Owning a home insurance policy and making a claim does not necessarily lead to full reimbursement. Your claim could be denied.

In order to reduce the chances of this happening, it’s best to learn about the reasoning behind the denial. The following list covers some of the most common reasons why insurance companies deny claims.

The facts are not correctly represented on the application

Should your insurance company find that you’ve been dishonest on your initial application, your policy can be rescinded, and the claim will be entirely denied. When a policy is rescinded, all premiums paid previously are refunded, and the policy is seen as void.

The deductible is greater than the claim

Should your insurance policy have a deductible, then this is the amount that you must absorb at your own expense.

Homeowners’ negligence

Should the homeowners’ negligence contribute to the damage, the claim may be denied. For example, if a hurricane causes the roof to fall in, that’s considered a pertinent claim. However, should the roof fall in due to termite damage, then this may be regarded as negligence on the homeowners’ behalf.

An excluded event caused the damage

A home insurance policy does not provide for carte blanche coverage. For example, flood damage is not covered by home insurance, and a separate flood damage policy is required. Earthquake damage also requires supplemental coverage. Your home insurance may have its own set of exclusions, and it is worth discussing this with your agent at the time of purchase.

The damage occurred to professional property

Should you operate a business from your home or store property belonging to your business at home, it may be excluded from your insurance coverage. Commercial insurance is normally required for property owned and used by a business.

Premiums paid late or unpaid

If a home insurance policy holder is late with a premium payment or neglects to pay it altogether, the claim will be denied.

In order to ensure that your home insurance claims will be upheld you need to ensure that the policy is set up in order to meet your specific requirements. Give us a call at 888-296-0345 for more information about insuring your home today.

Posted 8:58 PM

Tags: mcallen home insurance, mcallen homeowners insurance, home insurance mcallen, homeowners insurance mcallen
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(36)
  • texas(23)
  • laredo(22)
  • coverage(18)
  • business insurance(16)
  • tips(15)
  • auto insurance(14)
  • workers compensation insurance(10)
  • life insurance(10)
  • general liability insurance(8)
  • raymond longoria insurance(8)
  • home insurance(7)
  • health insurance(7)
  • savings(6)
  • laredo tx insurance(6)
  • safety(6)
  • flood insurance(5)
  • workers compensation(5)
  • mcallen(5)
  • rv insurance(4)
  • mcallen auto insurance(4)
  • protection(4)
  • car insurance(4)
  • mcallen car insurance(3)
  • homeowners insurance mcallen(3)
  • claims(3)
  • home insurance mcallen(3)
  • laredo life insurance(3)
  • children(3)
  • flooding(3)
  • mcallen homeowners insurance(3)
  • boat insurance(3)
  • homeowners(3)
  • mcallen home insurance(3)
  • home(3)
  • mission(3)
  • car insurance mcallen(2)
  • edinburg auto insurance(2)
  • flu season(2)
  • policy(2)
  • liability(2)
  • accidents(2)
  • auto insurance mcallen(2)
  • motorcycle insurance(2)
  • cost(2)
  • premiums(2)
  • repairs(2)
  • business(2)
  • insurability(1)
  • hail(1)

View Mobile Version

Contact Us Today!
888-296-0345

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

2025 N Conway Ave.
Mission, TX 78572

Phone: (956) 581-1034 | Toll-Free: (888) 296-0345
© Copyright. All rights reserved. | Powered by Insurance Website Builder