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Many people don’t grasp their policies and sometimes leave large gaps within their coverage that may come back to bite them at a later date, As well, failing to report claims quickly, not fully cooperating with the coverage agency, and failing to put preventative measures in place also can cost you hundreds, if not thousands, of dollars in rejected claims.
Your homeowners coverage policy is a contract between you as well as the insurance company stating just what your rights are and even more importantly what is essential of you to successfully file an insurance claim that may wind up being paid. You will find a number of ways you may end up voiding your policy or having claims rejected either through not properly covering yourself or through your own negligence.
It’s critical that you file homeowners coverage claims as quickly as possible after an accident, break-in, or any other damage has occurred on your property. Lots of individuals wait weeks or months to file claims and discover that in line with their policy the coverage agency has the correct to deny claims filed after a particular period of time. That implies you get stuck footing the entire cost of the damages and the insurance coverage company pays nothing. Do not get sucked into this common mistake and remember to file your claim soon after an incident.
Failure to protect against damage, break-ins, personal injury, or other losses incurred on your property insurance assistance are your responsibility. Negligence just isn’t covered under homeowners insurance. For example if you discovered a leak in your roof, decided to not repair it, and afterwards a storm comes through and damages the ceilings of your home, your insurance agency will almost certainly reject the claim. Since you did not take the appropriate and necessary steps to protect your residence, your homeowners insurance coverage company is just not legally required to cover those damages.
Another common example to remember will be that it is your responsibility to replace locks after a theft has occurred on your property. Should you not replace the locks and another break-in occurs, the homeowners coverage company will probably deny your claim.
The more you cooperate with insurance company the better likely your claim will be processed quickly and paid. If you give them a hard time, refuse to reply to questions, refuse to let them investigate the property, or lie to them it is rather likely that your particular claim will be denied and also you could also have your homeowners insurance policy canceled.
