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Many people don’t know their policies and sometimes leave large gaps within their coverage that can come back to bite them afterwards, Additionally, failing to report claims quickly, not fully cooperating with the coverage agency, look here and failing to put preventative measures in place could also cost you hundreds, if not thousands, of dollars in rejected claims.
Your homeowners insurance coverage policy is a contract between you and the insurance coverage company stating precisely what your rights are and even more importantly what will be required of you to successfully file an insurance coverage claim that may find yourself being paid. You will discover a few 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 is possible after a mishap, break-in, or other damage has occurred on your property. Many people wait weeks or months to file claims and find that in accordance with their policy the insurance agency has the correct to deny claims filed after a certain period of time. That means you get stuck footing the whole cost of the damages as well as the 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 any other losses incurred on your property are your responsibility. Negligence is not covered under homeowners coverage. For example if you discovered a leak within your roof, decided to not repair it, and afterwards a storm comes through and damages the ceilings of your home, your insurance coverage agency will probably reject the claim. Since you did not take the appropriate and necessary steps to protect your residence, your homeowners insurance company is not legally necessary to cover those damages.
Another common example to be aware of will be that it’s your responsibility to replace locks after a theft has occurred on your property. In the event that you do not replace the locks and another break-in occurs, the homeowners coverage company will most likely deny your claim.
The greater you cooperate with insurance company the better likely your claim will be processed quickly and paid. If you provide them with a hard time, refuse to answer questions, refuse to let them investigate the property, or lie to them it is quite likely that the claim will be denied and you could in addition have your homeowners coverage policy canceled.
