Why Was My Water Damage Claim Denied?
Understanding Why a Water Damage Claim is Denied and What You Can Do About It
First, if you are being denied any claim, make sure that you ask for a full explanation. You have every right to understand exactly what part of the policy wording excludes what you are asking for compensation for and why the claim is being denied.
Understand that there are several people who represent the insurance company during a claim, so you want to know where the decision is coming from. Was it your agent who told you, the insurance adjuster, or a contractor? Each person plays a different role. Don't be afraid to request clarifications to avoid misunderstandings. When a claim is denied, you will normally receive something in writing advising you of the official decision.
If you still do not understand why something isn't covered, and you think there is a chance for a review of your situation, don't be afraid to ask your agent or representative for a review or a second opinion. In a stressful situation like a claim, it is understandable that things may not be expressed clearly on either side. You want to make sure you understand fully.