What To Do When Your Home Insurance Claim Is Denied?

Having a home insurance claim rejected can be a devastating experience. To ensure that you don't land into any such situation in future, here are a few simple tips that you must follow:

1. Keep complete & accurate records of everything. Be it the records of the conversation, any receipt, or letters or emails (if any) you sent or received from your insurance provider, you must have it all at the time of filing the claim.
2. Take your time out to cross-check the terms and conditions of your policy and especially view all the claim rejection related clauses to determine whether it applies to your case or not. If not, you must discuss it with your insurance company to improve the situation.
3. In many cases, the cause of the damage is not properly communicated to the insurer, thereby leading to claim rejection. If you find this in your case, draft a letter to your insurance provider explaining him about the error. Try to be specific in your letter and emphasize only on the incorrect information described in their letter.
4. If you feel that your insurer has delayed the process of handling your claim or has not done fair dealing, you should file a complaint with the department of Insurance for your state.

Taking action against your insurance provider will be tough though, as they have years of expertise in the dealing with the claim rejection cases. Consulting a seasoned lawyer will help you fight for your denied home insurance claim with rather ease.

The major reasons that can lead to claim rejection include:

1. There is no coverage for the cause of loss. There are many home insurance policies that cover for different conditions, and if the damage to your home was not prompted by a covered condition then your insurance company will not pay for your loss. For example, if your policy doesn't cover for the earthquake and your home was destroyed by an earthquake then you will not get money from your insurance carrier.
2. The loss occurred outside the policy coverage period.
3. You failed to fulfill the condition of coverage in the policy. For example, if you did not take measures to prevent the further damage, didn't pay the insurance premiums on time or were not cooperating with the insurance company, your claim will be rejected automatically.

To avoid getting into such hassles, it is good to get your home insurance policy from a reputed company which provides all the details of the policy premiums, coverage, claims, etc. beforehand. HDFC ERGO is one such company that offers a comprehensive list of home insurance policies to choose from. It has easy home insurance claim procedures and offers excellent discounts on policy based on your age and profession.