Denied Claims
Your claim was denied. That is not the end of it.
350 denial reasons explained. Find yours below. Most are negotiable, many are improper.
350 pages in this collection
Pre-Existing & Causation Disputes
19The most common denial pattern: "this damage was already here" or "wear-and-tear, not a covered peril."
- Anti-Concurrent Causation Clause. Denied Claim Guide.Policy language excludes any loss involving excluded perils, even partially.
- Concurrent Causation. Denied Claim Guide.Multiple causes contributed; carrier selects the excluded one as proximate.
- Continuous Flood Event. Denied Claim Guide.Carrier treats water damage as continuous flood rather than sudden storm event.
- Continuous Wind Event. Denied Claim Guide.Carrier groups multiple wind events into one for deductible application.
- Faulty Prior Workmanship. Denied Claim Guide.Carrier claims prior workmanship caused loss.
- Gradual Damage. Denied Claim Guide.Carrier claims the damage occurred over time, not suddenly.
- Gradual Water Seepage Exclusion. Denied Claim Guide.Carrier classifies water damage as slow seepage (excluded) rather than sudden discharge.
- Mold Caused by Gradual Water (Excluded). Denied Claim Guide.Carrier denies mold remediation because underlying water was gradual.
- Mold Classified as Pre-Existing. Denied Claim Guide.Carrier claims mold pre-dated water event.
- Normal Wear, Neglect, or Lack of Maintenance. Denied Claim Guide.Carrier claims damage is from lack of maintenance, not covered peril.
- Peril Misclassified by Carrier. Denied Claim Guide.Carrier classifies covered peril as excluded.
- Pre-Existing Damage. Denied Claim Guide.Carrier claims damage existed before the policy period or loss event.
- Pre-Existing Environmental Hazards. Denied Claim Guide.Carrier claims asbestos, lead paint, or mold existed before loss.
- Pre-Existing Foundation Damage. Denied Claim Guide.Carrier claims foundation damage predated sinkhole activity.
- Prior Settlement Precludes This Claim. Denied Claim Guide.Carrier alleges prior settlement extinguishes current claim.
- Roof Damage Denied as Pre-Existing. Denied Claim Guide.Carrier claims storm damage was actually prior wear.
- Sudden Event Classification Dispute. Denied Claim Guide.Carrier classifies event as gradual (excluded) rather than sudden.
- Undocumented Prior Loss. Denied Claim Guide.Carrier alleges undisclosed prior loss affected this claim.
- Wear and Tear. Denied Claim Guide.The most commonly overapplied denial. Carrier claims your damage was pre-existing wear.
Coverage Exclusions
27When the carrier points to specific policy language to deny coverage entirely.
- Air Conditioner Condensation Excluded. Denied Claim Guide.Carrier classifies HVAC condensate damage as maintenance.
- Basement Water Intrusion Excluded. Denied Claim Guide.Below-grade water damage excluded.
- Carpet Pile Height Mismatch. Denied Claim Guide.Partial carpet replacement with pile height difference.
- Construction Defect Exclusion. Denied Claim Guide.Carrier attributes damage to original construction defects, which are excluded.
- Cosmetic Metal Roof Damage. Denied Claim Guide.Metal roof hail denting classified as cosmetic.
- Earth Movement Exclusion. Denied Claim Guide.Carrier claims damage is from earth movement (not sinkhole activity), which is typically excluded.
- Environmental Hazards Exclusion. Denied Claim Guide.Asbestos, lead paint, or PCB discovery triggers exclusion.
- Flood Exclusion Applied. Denied Claim Guide.Carrier classifies damage as flood, which is excluded under homeowners.
- Food Spoilage Outside Event Coverage. Denied Claim Guide.Food spoilage during power outage not covered.
- Heat Wave / Humidity Exclusion. Denied Claim Guide.Damage from extreme heat or humidity excluded.
- Insect Infestation Damage. Denied Claim Guide.Termite or carpenter ant damage excluded.
- Intentional Acts Exclusion. Denied Claim Guide.Carrier claims damage was caused intentionally.
- Manufacturer Defect Exclusion. Denied Claim Guide.Carrier claims the failure was a manufacturing defect, not a covered peril.
- Mold Exclusion on Basic Policy. Denied Claim Guide.Basic policy excludes mold entirely.
- Mystery Disappearance Exclusion. Denied Claim Guide.Carrier classifies theft as mysterious disappearance to invoke exclusion.
- Pet-Related Damage. Denied Claim Guide.Damage caused by domestic animal excluded.
- Pollution Exclusion. Denied Claim Guide.Carrier applies pollution exclusion to remediation costs.
- Power Surge Exclusion. Denied Claim Guide.Carrier claims electronics damage from power surge is excluded.
- Recycling or Destruction Exclusion. Denied Claim Guide.Loss from recycling or destruction equipment excluded.
- Rodent Damage to Personal Property. Denied Claim Guide.Rodent damage to contents typically excluded.
- Rodent or Vermin Damage. Denied Claim Guide.Carrier claims damage is from rodents/vermin, which is typically excluded.
- Roof Age Exclusion. Denied Claim Guide.Carrier denies because roof is older than policy's age cutoff.
- Tenant-Occupied Exclusion. Denied Claim Guide.Policy excludes losses when property is tenant-occupied.
- Trailer Damage Excluded. Denied Claim Guide.Utility trailers excluded from coverage.
- Vacant Property Exclusion. Denied Claim Guide.Carrier claims property was vacant beyond policy-allowed window at time of loss.
- Voluntary Parting of Property. Denied Claim Guide.Carrier alleges insured voluntarily gave up property.
- Wildfire Coverage Limited. Denied Claim Guide.Florida policies may have specific wildfire provisions.
Roof & Matching Denials
22Roof age, partial roof denials, cosmetic-only carve-outs, and "matching" disputes for siding, tile, brick, and finishes.
- Brick Matching Denied. Denied Claim Guide.Partial brick replacement with visible difference.
- Cabinet Door Matching Denied. Denied Claim Guide.Kitchen cabinet partial replacement with visible aesthetic difference.
- Cabinet Matching Denied. Denied Claim Guide.Carrier authorizes partial cabinet replacement without matching.
- Cosmetic Damage Only. Denied Claim Guide.Carrier claims damage is cosmetic and excluded under cosmetic damage endorsement.
- Cosmetic-Only Roof Damage. Denied Claim Guide.Carrier classifies hail or wind roof damage as purely cosmetic.
- Countertop Seam Matching Denied. Denied Claim Guide.Partial countertop replacement creates visible seams.
- Denied Because Damage Is Wind, Not Hail. Denied Claim Guide.Carrier accepts cause but disputes specific peril.
- Door Series Matching Denied. Denied Claim Guide.Partial door replacement with visible difference.
- Drywall Texture Mismatch Denied. Denied Claim Guide.Partial drywall repair with texture mismatch.
- Fence Replacement Style Downgrade. Denied Claim Guide.Carrier approves lower-grade fence than original.
- Floor Tile Matching Denied. Denied Claim Guide.Partial tile replacement with different lot.
- Flooring Matching Denied. Denied Claim Guide.Carrier refuses full flooring replacement despite matching issues.
- Insufficient Proof of Damage Cause. Denied Claim Guide.Carrier requires more evidence of covered cause.
- No Proof of Mitigation. Denied Claim Guide.Carrier denies portions of claim citing insufficient mitigation documentation.
- No Written Proof of Loss. Denied Claim Guide.Carrier rejects claim absent a sworn proof of loss.
- Partial Roof Repair Denied (No Matching). Denied Claim Guide.Carrier authorizes partial repair that cannot match existing roof.
- Pre-Storm Roof Condition. Denied Claim Guide.Carrier attributes damage to pre-storm condition.
- Proof of Loss Incomplete. Denied Claim Guide.Carrier claims the sworn proof of loss was deficient.
- Proof of Loss Time Bar. Denied Claim Guide.Carrier alleges POL filed beyond policy window.
- Roof Membrane Puncture Denied. Denied Claim Guide.Carrier attributes flat roof puncture to foot traffic.
- Siding Matching Denied. Denied Claim Guide.Carrier approves partial siding replacement not matching existing.
- Window Brand Mismatch Denied. Denied Claim Guide.Partial window replacement with different brand.
Procedural, Timing & Documentation
21Late notice, missed deadlines, examinations under oath, sworn proof of loss, and documentation defects.
- Agreed Scope Signed Under Pressure. Denied Claim Guide.Agreed scope was signed but insured now disputes.
- Appraisal Invoked Untimely. Denied Claim Guide.Carrier claims appraisal invocation was too late.
- Claim Package Incomplete. Denied Claim Guide.Carrier claims submitted package missing required items.
- Conditions Precedent Not Met. Denied Claim Guide.Carrier claims a specific policy condition was not satisfied.
- Delayed Mold Discovery. Denied Claim Guide.Carrier denies mold coverage citing late discovery.
- Examination Under Oath Refused. Denied Claim Guide.Carrier claims insured refused to sit for EUO.
- Failure to Preserve Evidence. Denied Claim Guide.Carrier claims you destroyed evidence critical to assessing cause.
- Inadequate Discovery Response. Denied Claim Guide.Carrier alleges discovery responses were incomplete.
- Inadequate Evidence Before Demolition. Denied Claim Guide.Carrier denies based on insufficient pre-demolition documentation.
- Inadequate Initial Scope. Denied Claim Guide.Initial scope sheet excluded obvious damage.
- Inadequate Inspection. Denied Claim Guide.Carrier's inspection was cursory; missed substantial scope.
- Inspection Refused by Carrier. Denied Claim Guide.Carrier refuses re-inspection after scope dispute.
- Late Invocation of Appraisal. Denied Claim Guide.Carrier argues insured waited too long to invoke appraisal.
- Late Notice of Claim. Denied Claim Guide.Carrier claims you reported the loss outside the policy notice window.
- Missed Notice Deadline. Denied Claim Guide.Carrier claims you filed too late.
- Missing Contractor Authorization. Denied Claim Guide.Work done without specific contractor authorization.
- No Police Report on File. Denied Claim Guide.Carrier denies theft claim because no police report was filed.
- Notice Not in Writing. Denied Claim Guide.Carrier alleges verbal notice insufficient.
- Partial Reporting Requirement. Denied Claim Guide.Carrier claims partial loss triggered specific reporting obligations.
- Statute of Limitations Exceeded. Denied Claim Guide.Carrier alleges legal deadline passed before claim.
- Tornado Insufficient Evidence. Denied Claim Guide.Carrier denies tornado classification affecting scope.
Misrepresentation & Fraud Allegations
9When the carrier alleges the application, the claim, or the loss itself is misrepresented or fraudulent.
- Arson Suspicion. Denied Claim Guide.Carrier investigates or denies claiming intentional fire.
- Claim Voided for Fraud Investigation. Denied Claim Guide.Carrier invokes SIU investigation.
- Fraud or Material Misrepresentation. Denied Claim Guide.Carrier claims you misrepresented facts on application or during the claim.
- Fraud Referral Suspicions. Denied Claim Guide.Carrier refers claim to special investigation unit.
- Inconsistent Damage Stories. Denied Claim Guide.Carrier alleges inconsistent descriptions of damage.
- Material Misrepresentation. Denied Claim Guide.Carrier claims you misrepresented facts on application or renewal.
- Materially False Statements. Denied Claim Guide.Carrier alleges material false statements in claim.
- Undisclosed Renovations. Denied Claim Guide.Carrier claims material renovations were not disclosed.
- Undisclosed Vacancy. Denied Claim Guide.Carrier claims the home was vacant beyond policy limit.
Settlement Math, Sublimits & Caps
151Depreciation, ACV/RCV math, hurricane deductibles, sublimits, and lowballed scope of repair.
- Additional Structure Not Listed. Denied Claim Guide.Carrier refuses coverage for unlisted accessory structure.
- Adjuster Lowballed the Estimate. Denied Claim Guide.Carrier adjuster's scope materially undervalues the loss.
- AOB Solicitation Post-Storm. Denied Claim Guide.A contractor solicited an AOB in the days after a declared disaster.
- Appliance Damage Not Covered Beyond Incidental. Denied Claim Guide.Carrier limits appliance damage to specific sublimit.
- Appliance Surge Damage Not Covered. Denied Claim Guide.Carrier excludes electronic surge damage.
- Arbitration vs Appraisal Conflict. Denied Claim Guide.Carrier pushes arbitration when appraisal was invoked.
- Bad Faith Allegation By Insurer. Denied Claim Guide.Carrier alleges insured acted in bad faith.
- Business Activity on Premises. Denied Claim Guide.Carrier claims business use on residential property voids coverage.
- Carrier Delays Inspection After Storm. Denied Claim Guide.Carrier inspection delayed beyond statutory windows.
- Carrier Demands Complete Financial Records. Denied Claim Guide.Carrier requests extensive financial documentation.
- Carrier Denied Partial Claim. Denied Claim Guide.Carrier refuses to process parts of claim.
- Carrier Pressures for Recorded Statement. Denied Claim Guide.Carrier demands a recorded statement before documentation is complete.
- Carrier Requested Death Certificate. Denied Claim Guide.Carrier requesting death certificates for inherited property claim.
- CAT Team Lowballed the Claim. Denied Claim Guide.Catastrophe team adjuster produced a minimal scope of loss.
- Claim Assignment Disputed. Denied Claim Guide.Carrier disputes assignment of claim rights.
- Claim Attributed to Non-Hurricane Wind. Denied Claim Guide.Carrier classifies loss as non-hurricane wind to avoid deductible structure.
- Claim Investigation Exceeded 15 Business Days. Denied Claim Guide.Policyholder asserts carrier exceeded investigation window without communication.
- Code Enforcement Citation. Denied Claim Guide.Code enforcement citation on property creates coverage complications.
- Collapse Definition Dispute. Denied Claim Guide.Florida policies define collapse narrowly.
- Contents Values Outdated. Denied Claim Guide.Carrier disputes contents values using outdated scheduled amounts.
- Contractor Assumption of Risk. Denied Claim Guide.Carrier alleges contractor terms shifted risk to contractor.
- Contractor Insurance Expired at Work Time. Denied Claim Guide.Carrier denies payment for work when contractor liability insurance lapsed.
- Contractor Not Licensed. Denied Claim Guide.Repairs performed by an unlicensed contractor; carrier refuses reimbursement per policy licensing clause.
- Coverage Limits Exceeded. Denied Claim Guide.Carrier pays only up to policy limit; damage exceeds that limit.
- Coverage Not In Force on Loss Date. Denied Claim Guide.Carrier claims specific coverage (flood, sinkhole, AOB) was not in force.
- Crawlspace Encapsulation Denied. Denied Claim Guide.Carrier won't pay for crawlspace encapsulation after water loss.
- Damage During Renovation. Denied Claim Guide.Carrier excludes damage during active construction.
- Damage Outside Policy Scope. Denied Claim Guide.Carrier denies specific damage elements as outside policy.
- Damage Spread to Uncovered Areas. Denied Claim Guide.Carrier refuses coverage when damage spread beyond initially covered zone.
- Delay Allowed Worsening Damage. Denied Claim Guide.Carrier blames insured for allowing damage to worsen.
- Delay in Repair Authorization. Denied Claim Guide.Carrier delays authorizing repair work.
- Delayed Filing Past Policy Window. Denied Claim Guide.Claim filed beyond policy notice requirement.
- Delayed FNOL Due to Evacuation. Denied Claim Guide.Carrier argues delayed FNOL exceeds reasonable window even during evacuation.
- Deliberate Neglect. Denied Claim Guide.Carrier alleges deliberate neglect by insured.
- Deposits Forfeited. Denied Claim Guide.Carrier refuses to credit deposits paid to contractors.
- Depreciation Applied to Non-Depreciable Items. Denied Claim Guide.Carrier depreciates items that policy doesn't allow.
- Diminished Value Denied. Denied Claim Guide.Carrier refuses compensation for value loss after repair.
- Divorce Not Disclosed. Denied Claim Guide.Carrier alleges divorce affected coverage but wasn't disclosed.
- Double Coverage Dispute. Denied Claim Guide.Multiple policies dispute primary coverage.
- Driveway Cracking Not Covered. Denied Claim Guide.Driveway damage from settling not covered.
- Emergency Mitigation Fees Excessive. Denied Claim Guide.Carrier claims mitigation charges were excessive.
- Engineer vs Contractor Scope Conflict. Denied Claim Guide.Carrier engineer and contractor disagree on scope.
- Engineering Reimbursement Denied. Denied Claim Guide.Carrier refuses to reimburse engineer fees.
- Equipment Breakdown Not Covered. Denied Claim Guide.HVAC or electrical breakdown not covered under homeowners.
- Escrow Held Repair Funds. Denied Claim Guide.Mortgage servicer won't release insurance proceeds from escrow.
- Exceeded Supplemental Claim Window. Denied Claim Guide.Carrier rejects supplemental claim as filed outside statutory window.
- Failure to Identify Driver. Denied Claim Guide.Carrier claims inability to identify at-fault driver defeats claim.
- Failure to Mitigate. Denied Claim Guide.Carrier claims you allowed damage to worsen.
- Flood Carrier Denied. Denied Claim Guide.NFIP or private flood denied claim.
- Flood Elevation Below Required. Denied Claim Guide.NFIP coverage denied for basement or below-elevation spaces.
- Flood Zone Changed Mid-Policy. Denied Claim Guide.FEMA reclassification affects coverage.
- Flood Zone Coverage Mandate. Denied Claim Guide.Lender required flood coverage in dispute at loss time.
- Foreclosure Affected Claim Rights. Denied Claim Guide.Carrier alleges foreclosure voided claim rights.
- Freezing Damage While Unoccupied. Denied Claim Guide.Pipe freeze damage while property was unoccupied and heat not maintained.
- Garage Floor Coating Damage. Denied Claim Guide.Specialty floor coating replacement undervalued.
- Hail Size Below Policy Threshold. Denied Claim Guide.Policy requires specific hail size for damage claim.
- Hurricane Deductible Applied Incorrectly. Denied Claim Guide.Carrier applied the hurricane deductible when a non-hurricane storm caused damage.
- Hurricane-Spawned Tornado Allocation. Denied Claim Guide.Tornado spawned by hurricane creates classification ambiguity.
- HVAC Age Restriction. Denied Claim Guide.Carrier denies HVAC replacement citing age-based policy exclusion.
- Impact Damage Pre-Dated Loss. Denied Claim Guide.Carrier claims current impact damage existed before the loss event.
- Improper Repairs by Previous Contractor. Denied Claim Guide.Carrier attributes current damage to prior contractor errors.
- Inaccurate Address on Policy. Denied Claim Guide.Carrier alleges policy covers a different property than the loss location.
- Inaccurate Weather Data Used. Denied Claim Guide.Carrier cites weather data that doesn't match conditions at loss location.
- Inspected Upon Underwriting and Not Covered. Denied Claim Guide.Carrier argues inspection at underwriting noted the defect.
- Inspection Conclusions Disputed. Denied Claim Guide.Carrier inspection reached different conclusions than homeowner's own experts.
- Insufficient Coverage Limits. Denied Claim Guide.Carrier pays only up to limit; damage exceeds.
- Insufficient Fire Report. Denied Claim Guide.Carrier rejects fire claim citing missing or incomplete fire marshal documentation.
- Insurable Interest Lost. Denied Claim Guide.Carrier claims insurable interest terminated before loss.
- Insured-Caused Damage. Denied Claim Guide.Carrier claims the insured intentionally or through gross negligence caused the loss.
- Insurer Dropped Coverage Before Payment. Denied Claim Guide.Carrier non-renewed or cancelled before paying claim.
- Lack of Forced Entry. Denied Claim Guide.Carrier claims no forced entry means no covered theft.
- Lack of Proper Mitigation. Denied Claim Guide.Carrier claims inadequate mitigation allowed damage to worsen.
- Land Subsidence vs Structural. Denied Claim Guide.Carrier distinguishes land subsidence (covered) from structural failure (not).
- Landscaping Plantings Sublimit. Denied Claim Guide.Tree and shrub damage capped per policy.
- Landscaping Sublimit. Denied Claim Guide.Carrier applies landscaping cap to mature or specimen plantings.
- Leak Source Not Identified. Denied Claim Guide.Carrier denies water claim citing failure to identify source.
- Liability Dispute Between Carriers. Denied Claim Guide.Your carrier and the at-fault party's carrier dispute liability.
- Light Fixture Downgrade. Denied Claim Guide.Builder-grade fixtures approved for high-end originals.
- Loss Control Inspection Required Before Payment. Denied Claim Guide.Carrier conditions payment on loss control inspection.
- Loss Not Accidental. Denied Claim Guide.Carrier alleges the loss was not accidental (foreseeable or intentional).
- Loss Outside Coverage Period. Denied Claim Guide.Carrier says loss occurred outside the policy period.
- Material Age Restriction. Denied Claim Guide.Carrier applies age-based exclusion to materials.
- Moving and Storage Denied. Denied Claim Guide.Carrier won't reimburse moving or storage costs.
- Mysterious Loss of Personal Property. Denied Claim Guide.Carrier invokes mystery-disappearance exclusion for lost items.
- Neighbor Had No Damage. Denied Claim Guide.Carrier claims absence of neighbor damage undermines your claim.
- Non-Disclosure of Use. Denied Claim Guide.Carrier alleges undisclosed use (Airbnb, long-term rental, etc.).
- Not a Peril Covered by This Policy. Denied Claim Guide.Carrier claims specific peril is outside policy scope.
- Not Catastrophic Ground Cover Collapse. Denied Claim Guide.Sinkhole activity classified as non-CGCC to limit coverage.
- Not Owner-Occupied at Loss. Denied Claim Guide.Carrier claims you were not living there at time of loss.
- Opening Cause Not Documented. Denied Claim Guide.Carrier denies wind-driven rain citing missing documentation of wind-created opening.
- Other Structures Sublimit. Denied Claim Guide.Carrier limits claim to Coverage B sublimit.
- Overflow vs Sewer Backup Dispute. Denied Claim Guide.Carrier classifies event as backup (excluded) rather than overflow (covered).
- Partial ALE Offer. Denied Claim Guide.Carrier offers insufficient additional living expense coverage.
- Partial Responsibility Attributed to Insured. Denied Claim Guide.Carrier attributes partial cause to insured's actions.
- Past Payment Deemed Insufficient. Denied Claim Guide.Carrier paid initial amount but refuses supplemental for newly discovered damage.
- Plumbing Fixture Downgrade. Denied Claim Guide.Builder-grade plumbing fixtures approved for high-end originals.
- Policy Cancelled for Cause. Denied Claim Guide.Carrier cancelled policy before loss based on cause (typically misrepresentation).
- Policy Form Mismatch. Denied Claim Guide.Carrier says the policy form doesn't cover this type of loss.
- Policy Lapsed Between Events. Denied Claim Guide.Gap between policies during damage progression.
- Policy Lapsed for Non-Payment. Denied Claim Guide.Carrier claims policy lapsed before the loss date.
- Policy Not Paid at Time of Loss. Denied Claim Guide.Carrier alleges premium was unpaid when loss occurred.
- Policy Unassigned Upon Sale. Denied Claim Guide.Property sale terminated policy but seller filed claim.
- Pool Heater Damage. Denied Claim Guide.Pool heater damage coverage disputed.
- Pool Resurfacing Denied. Denied Claim Guide.Pool surface damage not scoped for full resurfacing.
- Pre-Inspection Condition Unacceptable. Denied Claim Guide.Carrier claims pre-insurance inspection found issues.
- Previous Claim Affects Current Claim. Denied Claim Guide.Prior claim history impacts current claim.
- Property Disposition Denied. Denied Claim Guide.Carrier claims disposition of damaged property affected claim.
- Property Was Transferred. Denied Claim Guide.Carrier alleges ownership transfer voided coverage.
- Public Adjuster Qualifications Questioned. Denied Claim Guide.Carrier questions PA qualifications or licensing.
- Rainwater Through Vent Exclusion. Denied Claim Guide.Carrier claims rain entered through vent (excluded as maintenance).
- RCV vs ACV Wrong Application. Denied Claim Guide.Carrier applies ACV when RCV should apply.
- Reinsurance Capacity Reached. Denied Claim Guide.Rare but carrier claims reinsurance exhaustion.
- Rental Use Not Disclosed. Denied Claim Guide.Carrier claims property was rented but policy was written as owner-occupied.
- Repair Costs Below Deductible. Denied Claim Guide.Damage doesn't exceed deductible threshold.
- Repairs Made Without Carrier Consent. Denied Claim Guide.Carrier alleges unauthorized repairs defeated claim investigation.
- Replacement Cost Conditions Unmet. Denied Claim Guide.Carrier pays only ACV because RCV repair conditions weren't met.
- Replacement Cost Exceeds Limit. Denied Claim Guide.Rebuild cost exceeds Coverage A limit; carrier pays only to limit.
- Reservation of Rights Misuse. Denied Claim Guide.Carrier attempts to deny claim after improper reservation of rights.
- Scheduled Item Not Documented. Denied Claim Guide.Carrier denies scheduled item replacement due to documentation gaps.
- Scope Substantially Below Actual. Denied Claim Guide.Carrier scope is materially less than actual damage.
- Second Home Restriction. Denied Claim Guide.Policy restrictions apply to second/vacation homes.
- Sewer Backup Without Endorsement. Denied Claim Guide.Sewage or sump backup damage claimed without sewer backup endorsement.
- Sink Overflow Not Covered. Denied Claim Guide.Carrier excludes sink or toilet overflow damage.
- Sinkhole Testing Inconclusive. Denied Claim Guide.Carrier-selected geotechnical testing reports no sinkhole activity.
- Sinkhole Testing Not Required. Denied Claim Guide.Carrier denies testing under FS 627.706 citing insufficient triggering conditions.
- Slow Subrogation Processing. Denied Claim Guide.Your deductible reimbursement is delayed while your carrier pursues the at-fault party.
- Smoke Residue Not From Covered Fire. Denied Claim Guide.Carrier attributes smoke to non-covered source.
- Stain-Grade vs Paint-Grade Materials. Denied Claim Guide.Carrier authorizes paint-grade where stain-grade existed.
- Storm Surge vs Wind Causation. Denied Claim Guide.Wind and storm surge caused damage, but carriers dispute allocation.
- Stucco Cracking Denied as Settlement. Denied Claim Guide.Stucco cracks attributed to foundation settlement vs covered peril.
- Subcontractor Not Qualified. Denied Claim Guide.Carrier challenges subcontractor qualifications.
- Subrogation Failure Denies Recovery. Denied Claim Guide.Carrier argues failed subrogation affects insured recovery.
- Substandard Housing Classification. Denied Claim Guide.Carrier claims property was substandard at renewal.
- Temporary Housing Duration Capped. Denied Claim Guide.Carrier caps ALE duration.
- Total Loss Repair Rather Than Rebuild. Denied Claim Guide.Carrier proposes repair when total loss rebuild should apply.
- Tree Removal Sublimit. Denied Claim Guide.Carrier caps tree removal at policy sublimit.
- Unlicensed Contractor Repairs. Denied Claim Guide.Carrier refuses to reimburse repairs performed by unlicensed contractor.
- Unreasonable Scope of Repair. Denied Claim Guide.Carrier classifies necessary repair as excessive.
- Unscheduled Jewelry Sublimit. Denied Claim Guide.Carrier pays only the $1,500 sublimit for unscheduled jewelry.
- Upgrades Beyond Original Specification. Denied Claim Guide.Carrier refuses to pay for upgrades, classifying as betterment.
- Valid Civil Remedy Notice Ignored. Denied Claim Guide.Carrier failed to cure during 60-day CRN window.
- Vandalism Exclusion on Vacant Over 30 Days. Denied Claim Guide.Policy excludes vandalism on property vacant over a stated period.
- Vehicle Damage Not Covered Under Homeowners. Denied Claim Guide.Homeowners policy excludes damage to personal vehicles.
- Water Damage Category Dispute. Denied Claim Guide.Carrier disputes Category 2 or Category 3 water classification.
- Water from Landscape Sprinkler. Denied Claim Guide.Carrier excludes sprinkler-caused water damage.
- Wind Classification Dispute. Denied Claim Guide.Carrier classifies wind as insufficient for damage claimed.
- Wind-Driven Rain Not Covered. Denied Claim Guide.Carrier claims rain entered through pre-existing opening, not wind-created.
- Window Warranty Void Due to Age. Denied Claim Guide.Carrier disputes window replacement due to warranty/age issues.
- Work Done Without Permit. Denied Claim Guide.Carrier denies reimbursement for work requiring a permit but none obtained.
- Wrong Named Insured. Denied Claim Guide.Carrier alleges loss claimant is not the named insured.
- Wrong Policy Form Issued. Denied Claim Guide.Carrier issued a restrictive form (HO-2) when homeowner thought HO-3.
Carrier-Specific Behavior
96Patterns specific to particular carriers. Known delay tactics and scope reductions you should expect.
- Allstate Delayed Response Pattern. Denied Claim Guide.Allstate: Carrier-specific pattern of delayed responses.
- Allstate Scope Reduction. Denied Claim Guide.Allstate: Carrier-specific scope reduction pattern.
- American Family Delayed Response Pattern. Denied Claim Guide.American Family: Carrier-specific pattern of delayed responses.
- American Family Scope Reduction. Denied Claim Guide.American Family: Carrier-specific scope reduction pattern.
- American Integrity Delayed Response Pattern. Denied Claim Guide.American Integrity: Carrier-specific pattern of delayed responses.
- American Integrity Scope Reduction. Denied Claim Guide.American Integrity: Carrier-specific scope reduction pattern.
- American Strategic Delayed Response Pattern. Denied Claim Guide.American Strategic: Carrier-specific pattern of delayed responses.
- American Strategic Scope Reduction. Denied Claim Guide.American Strategic: Carrier-specific scope reduction pattern.
- Aon Edge Delayed Response Pattern. Denied Claim Guide.Aon Edge: Carrier-specific pattern of delayed responses.
- Aon Edge Scope Reduction. Denied Claim Guide.Aon Edge: Carrier-specific scope reduction pattern.
- Auto Owners Delayed Response Pattern. Denied Claim Guide.Auto Owners: Carrier-specific pattern of delayed responses.
- Auto Owners Scope Reduction. Denied Claim Guide.Auto Owners: Carrier-specific scope reduction pattern.
- Avatar Delayed Response Pattern. Denied Claim Guide.Avatar: Carrier-specific pattern of delayed responses.
- Avatar Scope Reduction. Denied Claim Guide.Avatar: Carrier-specific scope reduction pattern.
- Chubb Delayed Response Pattern. Denied Claim Guide.Chubb: Carrier-specific pattern of delayed responses.
- Chubb Scope Reduction. Denied Claim Guide.Chubb: Carrier-specific scope reduction pattern.
- Citizens Delayed Response Pattern. Denied Claim Guide.Citizens: Carrier-specific pattern of delayed responses.
- Citizens Scope Reduction. Denied Claim Guide.Citizens: Carrier-specific scope reduction pattern.
- Cypress Delayed Response Pattern. Denied Claim Guide.Cypress: Carrier-specific pattern of delayed responses.
- Cypress Scope Reduction. Denied Claim Guide.Cypress: Carrier-specific scope reduction pattern.
- Edison Delayed Response Pattern. Denied Claim Guide.Edison: Carrier-specific pattern of delayed responses.
- Edison Scope Reduction. Denied Claim Guide.Edison: Carrier-specific scope reduction pattern.
- Encompass Delayed Response Pattern. Denied Claim Guide.Encompass: Carrier-specific pattern of delayed responses.
- Encompass Scope Reduction. Denied Claim Guide.Encompass: Carrier-specific scope reduction pattern.
- Farmers Delayed Response Pattern. Denied Claim Guide.Farmers: Carrier-specific pattern of delayed responses.
- Farmers Scope Reduction. Denied Claim Guide.Farmers: Carrier-specific scope reduction pattern.
- Florida Family Delayed Response Pattern. Denied Claim Guide.Florida Family: Carrier-specific pattern of delayed responses.
- Florida Family Scope Reduction. Denied Claim Guide.Florida Family: Carrier-specific scope reduction pattern.
- Florida Peninsula Delayed Response Pattern. Denied Claim Guide.Florida Peninsula: Carrier-specific pattern of delayed responses.
- Florida Peninsula Scope Reduction. Denied Claim Guide.Florida Peninsula: Carrier-specific scope reduction pattern.
- Foremost Delayed Response Pattern. Denied Claim Guide.Foremost: Carrier-specific pattern of delayed responses.
- Foremost Scope Reduction. Denied Claim Guide.Foremost: Carrier-specific scope reduction pattern.
- Frontline Delayed Response Pattern. Denied Claim Guide.Frontline: Carrier-specific pattern of delayed responses.
- Frontline Scope Reduction. Denied Claim Guide.Frontline: Carrier-specific scope reduction pattern.
- Geico Delayed Response Pattern. Denied Claim Guide.Geico: Carrier-specific pattern of delayed responses.
- Geico Scope Reduction. Denied Claim Guide.Geico: Carrier-specific scope reduction pattern.
- Hartford Delayed Response Pattern. Denied Claim Guide.Hartford: Carrier-specific pattern of delayed responses.
- Hartford Scope Reduction. Denied Claim Guide.Hartford: Carrier-specific scope reduction pattern.
- Hci Delayed Response Pattern. Denied Claim Guide.Hci: Carrier-specific pattern of delayed responses.
- Hci Scope Reduction. Denied Claim Guide.Hci: Carrier-specific scope reduction pattern.
- Heritage Delayed Response Pattern. Denied Claim Guide.Heritage: Carrier-specific pattern of delayed responses.
- Heritage Scope Reduction. Denied Claim Guide.Heritage: Carrier-specific scope reduction pattern.
- Homeowners Choice Delayed Response Pattern. Denied Claim Guide.Homeowners Choice: Carrier-specific pattern of delayed responses.
- Homeowners Choice Scope Reduction. Denied Claim Guide.Homeowners Choice: Carrier-specific scope reduction pattern.
- Kin Delayed Response Pattern. Denied Claim Guide.Kin: Carrier-specific pattern of delayed responses.
- Kin Scope Reduction. Denied Claim Guide.Kin: Carrier-specific scope reduction pattern.
- Lexington Delayed Response Pattern. Denied Claim Guide.Lexington: Carrier-specific pattern of delayed responses.
- Lexington Scope Reduction. Denied Claim Guide.Lexington: Carrier-specific scope reduction pattern.
- Liberty Mutual Delayed Response Pattern. Denied Claim Guide.Liberty Mutual: Carrier-specific pattern of delayed responses.
- Liberty Mutual Scope Reduction. Denied Claim Guide.Liberty Mutual: Carrier-specific scope reduction pattern.
- Lloyds London Delayed Response Pattern. Denied Claim Guide.Lloyds London: Carrier-specific pattern of delayed responses.
- Lloyds London Scope Reduction. Denied Claim Guide.Lloyds London: Carrier-specific scope reduction pattern.
- Mercury Delayed Response Pattern. Denied Claim Guide.Mercury: Carrier-specific pattern of delayed responses.
- Mercury Scope Reduction. Denied Claim Guide.Mercury: Carrier-specific scope reduction pattern.
- Metropolitan Delayed Response Pattern. Denied Claim Guide.Metropolitan: Carrier-specific pattern of delayed responses.
- Metropolitan Scope Reduction. Denied Claim Guide.Metropolitan: Carrier-specific scope reduction pattern.
- Nationwide Delayed Response Pattern. Denied Claim Guide.Nationwide: Carrier-specific pattern of delayed responses.
- Nationwide Scope Reduction. Denied Claim Guide.Nationwide: Carrier-specific scope reduction pattern.
- Neptune Delayed Response Pattern. Denied Claim Guide.Neptune: Carrier-specific pattern of delayed responses.
- Neptune Scope Reduction. Denied Claim Guide.Neptune: Carrier-specific scope reduction pattern.
- Nfip Delayed Response Pattern. Denied Claim Guide.Nfip: Carrier-specific pattern of delayed responses.
- Nfip Scope Reduction. Denied Claim Guide.Nfip: Carrier-specific scope reduction pattern.
- Olympus Delayed Response Pattern. Denied Claim Guide.Olympus: Carrier-specific pattern of delayed responses.
- Olympus Scope Reduction. Denied Claim Guide.Olympus: Carrier-specific scope reduction pattern.
- Orion180 Delayed Response Pattern. Denied Claim Guide.Orion180: Carrier-specific pattern of delayed responses.
- Orion180 Scope Reduction. Denied Claim Guide.Orion180: Carrier-specific scope reduction pattern.
- Peoples Trust Delayed Response Pattern. Denied Claim Guide.Peoples Trust: Carrier-specific pattern of delayed responses.
- Peoples Trust Scope Reduction. Denied Claim Guide.Peoples Trust: Carrier-specific scope reduction pattern.
- Progressive Delayed Response Pattern. Denied Claim Guide.Progressive: Carrier-specific pattern of delayed responses.
- Progressive Scope Reduction. Denied Claim Guide.Progressive: Carrier-specific scope reduction pattern.
- Safeco Delayed Response Pattern. Denied Claim Guide.Safeco: Carrier-specific pattern of delayed responses.
- Safeco Scope Reduction. Denied Claim Guide.Safeco: Carrier-specific scope reduction pattern.
- Scottsdale Delayed Response Pattern. Denied Claim Guide.Scottsdale: Carrier-specific pattern of delayed responses.
- Scottsdale Scope Reduction. Denied Claim Guide.Scottsdale: Carrier-specific scope reduction pattern.
- Security First Delayed Response Pattern. Denied Claim Guide.Security First: Carrier-specific pattern of delayed responses.
- Security First Scope Reduction. Denied Claim Guide.Security First: Carrier-specific scope reduction pattern.
- Slide Delayed Response Pattern. Denied Claim Guide.Slide: Carrier-specific pattern of delayed responses.
- Slide Scope Reduction. Denied Claim Guide.Slide: Carrier-specific scope reduction pattern.
- Southern Oak Delayed Response Pattern. Denied Claim Guide.Southern Oak: Carrier-specific pattern of delayed responses.
- Southern Oak Scope Reduction. Denied Claim Guide.Southern Oak: Carrier-specific scope reduction pattern.
- State Farm Delayed Response Pattern. Denied Claim Guide.State Farm: Carrier-specific pattern of delayed responses.
- State Farm Florida Delayed Response Pattern. Denied Claim Guide.State Farm Florida: Carrier-specific pattern of delayed responses.
- State Farm Florida Scope Reduction. Denied Claim Guide.State Farm Florida: Carrier-specific scope reduction pattern.
- State Farm Scope Reduction. Denied Claim Guide.State Farm: Carrier-specific scope reduction pattern.
- Tower Hill Prime Delayed Response Pattern. Denied Claim Guide.Tower Hill Prime: Carrier-specific pattern of delayed responses.
- Tower Hill Prime Scope Reduction. Denied Claim Guide.Tower Hill Prime: Carrier-specific scope reduction pattern.
- Travelers Delayed Response Pattern. Denied Claim Guide.Travelers: Carrier-specific pattern of delayed responses.
- Travelers Scope Reduction. Denied Claim Guide.Travelers: Carrier-specific scope reduction pattern.
- Typtap Delayed Response Pattern. Denied Claim Guide.Typtap: Carrier-specific pattern of delayed responses.
- Typtap Scope Reduction. Denied Claim Guide.Typtap: Carrier-specific scope reduction pattern.
- Universal Property Delayed Response Pattern. Denied Claim Guide.Universal Property: Carrier-specific pattern of delayed responses.
- Universal Property Scope Reduction. Denied Claim Guide.Universal Property: Carrier-specific scope reduction pattern.
- Usaa Delayed Response Pattern. Denied Claim Guide.Usaa: Carrier-specific pattern of delayed responses.
- Usaa Scope Reduction. Denied Claim Guide.Usaa: Carrier-specific scope reduction pattern.
- Wright Flood Delayed Response Pattern. Denied Claim Guide.Wright Flood: Carrier-specific pattern of delayed responses.
- Wright Flood Scope Reduction. Denied Claim Guide.Wright Flood: Carrier-specific scope reduction pattern.
Guías en Español
5Las razones más comunes de denegación, explicadas en español.
- Daño Preexistente. Guía de Reclamo Denegado.Aseguradora dice que el daño existía antes del período de la póliza o del evento de pérdida.
- Deducible de Huracán Aplicado Incorrectamente. Guía de Reclamo Denegado.Aseguradora aplicó el deducible de huracán cuando una tormenta no-huracán causó el daño.
- Desgaste Normal. Guía de Reclamo Denegado.La denegación más frecuentemente mal aplicada. La aseguradora dice que su daño fue desgaste preexistente.
- Lluvia Impulsada por Viento No Cubierta. Guía de Reclamo Denegado.Aseguradora dice que la lluvia entró por una abertura preexistente, no creada por viento.
- Reparación Parcial de Techo Denegada (Sin Coincidencia). Guía de Reclamo Denegado.Aseguradora autoriza reparación parcial que no puede igualar el techo existente.
Free claim review
Denied does not mean done. Let a licensed Florida adjuster look at it.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
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- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
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