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Many individuals don’t know their policies and sometimes leave large gaps within their coverage that will come back to bite them at a later date, Additionally, failing to report claims quickly, not fully cooperating with the insurance 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 and 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 will end up being paid. You can find several 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 insurance claims as quickly as it can be after an accident, break-in, or any other damage has occurred on your property. Many individuals wait weeks or months to file claims and find that according to their policy the insurance coverage agency has the correct to deny claims filed after a particular period of time. That implies you get stuck footing the whole cost of the damages as well as the insurance coverage company pays nothing. Do not get sucked into this common mistake and remember to file your claim just after an incident.
Failure to protect against damage, break-ins, personal injury, or other losses incurred on your property are your responsibility. Negligence isn’t covered under homeowners insurance coverage. For example if you discovered a leak in your roof, decided to not repair it, and at a later date a storm comes through and damages the ceilings of your house, your coverage agency will probably reject the claim. Since you did not take the appropriate and necessary steps to protect your residence, your homeowners coverage company is not legally necessary to cover those damages.
Another common example to remember would 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, by cc.lbu.edu.np the homeowners insurance coverage company will most likely deny your claim.
The greater you cooperate with insurance company the more likely your claim will be processed quickly and paid. If you provide them with a hard time, refuse to reply to questions, refuse to let them investigate the property, or lie to them it’s very likely that the claim will be denied and also you could in addition have your homeowners insurance policy canceled.
