3 Ways You Could Be Denied Insurance Coverage

Insurance companies often have a reputation for discovering ways to avoid compensating policyholders after property damages occur. A lot of policies are actually written with a number of exclusions, contingencies and clauses that help insurers slip out of their obligations to pay a claim.

Here are 3 reasons why your insurance company might hold out on distributing payments, and advice on how to prevent this from happening:

1)Changes to Your Property
Whenever you add anything to your property, make sure you let your insurance company know about it! Regardless of whether it’s a pool, pond, trampoline, treehouse, deck, balcony or playset for children, it might lead to changes in your homeowner insurance policy. Some people don’t tell their insurance company about certain changes to their property, because they’re scared their insurance premiums will increase. But if you don’t report recent additions to your property, your insurance company might have enough reason to deny your claim.

2)Failure to Address Previously Existing Issues
Although insurance policies are designed to protect you against serious losses, they won’t protect you against your inability to perform regular maintenance throughout your property. For instance, let’s say you recently installed a wooden fence in your backyard. However, a few months ago, your son ran into it while playing football with his friends, damaging an entire panel and causing it to lean badly. If a storm were to pass through and bad winds were to knock the fence over completely, your insurance company wouldn’t be able to protect you against the damages. Even if the fence would have been blown over anyway, you failed to repair a significant damage to the structure.

3)Loopholes
Far too often, homeowners sign a policy with only their wallets in mind. Before going along with one, make sure you understand exactly what you are and what you are not protected against. Some issues, such as those relating to the weather, might not be included in your coverage. Eliminate the possibility of being blindsided by thoroughly examining the entire document. Before putting that pen to paper, you might even want to discuss the proposed coverage with a public adjuster in Bucks County, PA and surrounding areas.


About American Claims Ensurance

American Claims Ensurance specializes in homeowners and business insurance claim representation. We work vigorously and for YOU to ensure you get the highest possible settlement from the insurance company. Best of all, when you hire the best public adjusters to represent you, you will not have to deal with the stress of working with your insurance company.

American Claims Ensurance offers our insurance claim representation services on a contingency fee basis to YOU. That means, that if we do not collect any funds for you, we do not get paid at all. We will handle the entire claim process from beginning to end and make sure you get the settlement YOU deserve.

American Claims Ensurance has decades of combined experience and expertise knowledge on how the claim process works. We will also help to expedite your water damage or other type of claim as quickly as possible.

We represent home and business owners and are retained as expert witnesses by various law firms in a variety of property loss claims, including:



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