What to Do If Your Homeowner’s Insurance Claim is Denied


Your home has suffered serious damage. Perhaps the cause was a fire, flood, storm, burglary, or vandalism. In any case, you believe you are covered, file your insurance claim, only to have it denied.

Your first instinct probably involves cursing your insurance agent at the very least, and we will not even consider the details of the worst. Our instinct would be the same. However, don’t let your emotions get the better of you. Stifle those urges, stay calm, and address the situation rationally. Let this guide help you through the process.

  • Review the Policy – You probably did not go through your homeowner’s policy in detail before filing a claim, but you certainly should have. It is important that you fully understand the coverage.

    Typical reasons for denial, aside from failure to pay the policy premiums, are causes (perils) that are not covered, not taking sufficient preventative measures, or insufficient documentation of the dam…



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