What To Do When Your House Insurance Claim is Denied?

If your house insurance claim is denied, you should contact your insurance company to find out why. They may have a reason for denying the claim that you can work with. You should contact your state’s insurance department and file a complaint if they don’t. Understand why your claim was denied Your insurance company will mail you a formal letter explaining their reason for denying your claim; if your insurance company does not send you a formal letter, your claim has not been denied. This letter explains the specific language in your policy that justifies the claim denial. Please read the letter carefully, and compare their explanation to your understanding of your policy. If there is a legitimate reason for denying your claim, i.e., the premium wasn’t paid, or the type of loss (peril) is explicitly excluded from your coverage, there is nothing more you can do.