Why was my insurance claim denied?

It doesn’t happen a lot, but if your claim was denied it’s probably because the loss doesn’t fall within the terms of your insurance policy. Your claims professional will discuss this with you, but here are a few of the most common insurance claim rejection reasons.

Why your home insurance claim could have been denied:

  • You breached the conditions of your policy (home is vacant or under construction)
  • Your claim is a result of negligence (neglecting maintenance)
  • You’ve made a fraudulent claim
  • You’ve provided false information (misrepresentation)
  • Your claim isn’t covered by your policy
  • The claim amount exceeds your coverage limits
  • You’ve used your home for business purposes
  • Your policy has expired or was cancelled


Why your auto insurance claim could have been rejected:

  • You breached the conditions of your policy (racing or other illegal activities)
  • You’ve made a fraudulent claim
  • You’ve provided false information (misrepresentation)
  • Your claim isn’t covered by your policy
  • The claim amount is less than your deductible
  • You used your vehicle for business (like Uber)
  • Your policy has expired or was cancelled