Top Excuses insurance companies use to deny claims
Damages are not covered under your policy
Companies say "damages are not covered under your policy" because the specific type of damage either falls under an exclusion, isn't listed in the covered risks, or doesn't meet the policy’s conditions—allowing them to legally deny the claim based on the contract terms.
Wind driven rain is not covered
Companies use the excuse "wind-driven rain is not covered" because many insurance policies specifically exclude it unless wind first causes damage to the structure (like a broken window or roof damage), allowing the rain to enter. Without that initial damage, they often treat it as a maintenance issue, not a covered peril.
You did not report damages to us in a timely manner
Companies use the excuse "You did not report damages to us in a timely manner" because most policies require prompt notification of damage—delays can make it harder to verify the cause, prevent further damage, or detect fraud, so late reporting may legally justify denying the claim.
You let damages worsen because you did not try to repair problem yourself
Companies use the excuse "You let damages worsen because you did not try to repair the problem yourself" because most policies require policyholders to take reasonable steps to prevent further damage after a loss; failing to do so can be seen as neglect, which gives them grounds to reduce or deny the claim.
It is an old roof that you did not maintain ; therefore leaks are not covered
Companies use the excuse "It is an old roof that you did not maintain; therefore leaks are not covered" because insurance typically covers sudden and accidental damage, not issues caused by wear and tear, aging, or lack of maintenance—which are considered the homeowner's responsibility.
Your deductible and depreciation is higher than our estimated damages
Companies use the excuse "Your deductible and depreciation is higher than our estimated damages" because if the total repair cost falls below the combined amount of your deductible and depreciation, they aren't obligated to pay—since the policy only covers costs above those thresholds.
