Sometimes, the insurer rejects it after going through the entire process of documenting an incident and filing a claim. It can be frustrating when you receive this rejection irrespective of its reason. Still, rejection of renters claims is sometimes proper as the claims may fall under certain conditions.
Are you wondering why your insurer rejected your claim? If so, it should fall under one of the reasons present in this post.
Why the Rejection of Renters Claims?
Keep in mind that insurance companies thoroughly examine all claims. In most cases, if you follow the proper steps, they’ll approve your claims. On the other hand, claims are often denied for several reasons.
The deductible is less expensive than the damages
If the amount of your losses is less than your deductible, they’ll deny your claim. The claim is nonsensical if your damage or loss is $500, but your deductible is $1,000. Later in the year, they may add this amount to the $500 from your previous damage or loss.
The destruction was purposeful
Although rare, some people intend to destroy their property to replace it. On several occasions, intentional horseplay resulted in property destruction. Renters’ insurance companies are famously careful when it comes to analysing claims.
The claim is typically refused if the damage was accidental or unintentional.
Uncovered disasters and losses
Some disasters don’t get coverage by insurance unless you get supplementary coverage. You won’t be able to submit a claim if your things are damaged due to a flood, for example.
You’ll need flood insurance in such cases. Natural catastrophes, including hurricanes, earthquakes, and tornadoes, usually fall under this category.
The landlord is responsible for the loss
If your landlord is responsible for your damage and loss, they may deny your claim. For example, your landlord fails to fix faulty wiring, resulting in a fire.
