Is it Possible Your Homeowners Claim Could Be Denied?
The simple answer is yes, it could be, but the answer isn’t always so simple. A claims adjuster’s job is to find coverage under your homeowners policy to cover your loss. There are however, scenarios that make it more certain that your claim will be denied. As your agent, it is not an easy task telling a homeowner their loss is not covered.
Every claim is handled individually, and is fact specific. Triggering coverage under the homeowners policy is based on the specific details leading up to the loss and the insurance contract. Homeowners that experience claims could potentially have their loss partially or completely denied depending on the facts leading to the loss.
I’m sure you’re asking yourself, “could this happen to me”? Let me give you an example of a homeowner’s claim that may be denied coverage. Let’s say your home has an old roof with some damaged shingles and the roof has outlived its life expectancy. The roof is no longer doing the job it was intended to do of protecting your home. You have been planning to get that roof replaced but you just never got around to it. Life happens, as we all know. A storm occurs. You suffer damage to your roof, and as a result to the interior of your home from water leaking in down the wall. At this point, you are feeling confident it will be covered by your policy.
You call your insurance company to report the claim. They send an insurance adjuster to come out to investigate what happened. The adjuster discovers the roof was in poor condition because the roof was neglected and is no longer doing the job it was intended to do. So, your claim more than likely will be denied. At this point, you aren’t happy about the result. As most policy holders do, they assume the insurance company will fix anything, “What do I have insurance for?”
As a homeowner you are responsible for keeping your home in good condition. An insurance policy is not intended to be a maintenance policy. Updating the roof once it reaches its life expectancy or shows signs of damage, servicing the mechanicals including heating, plumbing, and electrical are a few areas that could prevent a claim from occurring. The likelihood of your claim being denied then becomes much less. Your policy is intended to cover sudden and accidental occurrences, not materials that are deteriorating. It’s always a good practice to keep your home updated. In doing so, you will lessen the chances of your claim being denied.
The gals in the office are VERY pleasant and helpful. Ideas for changes are addressed in a good way-never “pushy”. Rates are very good! Home & Auto claims have been handled wonderfully!
Great service. Saved $750 by switching! Excellent coffee!
You helped us save on our car and truck insurance, and we added our home insurance with you. We will have to pay one once a year. We have saved nine-hundred dollars. Thank you!
Covenant Ins. is a Co. I highly recommend to meet all your Ins. need. Wonderful freindly trained staff always ready to help meet your Personal or Bussiness needs. Thank you all.
The personal relationship to go above and beyond, to put a smile on a client’s face when they know that they have had a bad day just by the sound of their voice. Then to send a card to show they care. You have wonderful agents working in the Dover PA area.
I have been insured by Covenant Insurance for a long time now. Great service, great company!
Lori Speelman is AMAZING!!! She has helped us out on numerous occasions to make sure that our policy stays on the right track!
Friendly smiles. Great service.
I really enjoy coming into Covenant and seeing Tracey. She is the best. Tracey is always smiling, courteous and very helpful. Everyone at Covenant is great
I entrust Rob Stone and Covenant Insurance with ALL of my insurance needs, both personally and professionally.