After storms, fires and water damage, many homeowners face denied or underpaid claims. Policies are complex, and persistence often helps.
Common reasons for denial
- Exclusions such as flood, earth movement or wear and tear.
- Late notice.
- Insufficient documentation.
- Disputes about the cause of damage.
- Policy lapse or misrepresentation.
What to do
- Read the denial letter and your policy.
- Document damage with photos, videos and estimates.
- Request the adjuster's report and any engineer reports.
- Get independent estimates from licensed contractors.
- File a written appeal and keep copies.
Get outside help
- Your state insurance department complaint process.
- A public adjuster, who works for you and takes a fee.
- An attorney experienced in property insurance claims.
- Appraisal clause for disputes over the amount of loss.
Protect yourself
Review your coverage annually, keep a home inventory, understand deductibles and consider flood or earthquake coverage separately. Report damage promptly and take reasonable steps to prevent further harm.
Frequently asked questions
Is flood damage covered?
Usually not by standard homeowners policies.
How long do I have to file?
Policies set deadlines, so report as soon as possible.