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.
Covenant Insurance has been a great help to my business and family. We trust them to show us what we need and how to save money on our coverage.
Covenant Insurance is one of the most affordable and honest Insurance companies I’ve ever dealt with.
I have been insured by Covenant Insurance for a long time now. Great service, great company!
I have really enjoyed having Rob as an insurance man. His friendly and helpful attitude is always appreciated. When we moved into our new home and had a glitch, Rob went above and beyond to insure that we could move on time. I’ve never forgotten his “can do” for our family.
A real person answers the phone. That is so refreshing today. The one claim we had was handled simply and quickly. No fuss. No worries.
Lori Speelman is AMAZING!!! She has helped us out on numerous occasions to make sure that our policy stays on the right track!
100% satisfaction with everything!
Our agent Michelle is incredible! We are so happy we made the switch to Covenant! Our emails are answered in an extremely prompt fashion, and if for some reason she doesn’t know the answer she is very quick at finding out an answer for us. All other staff members that we have encountered have also been very friendly! We highly recommend Covenant to our family and friends!
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.