{"id":297,"date":"2018-06-11T02:00:00","date_gmt":"2018-06-11T14:00:00","guid":{"rendered":"https:\/\/www.paragoninsagencies.com\/blog\/?p=297"},"modified":"2018-06-08T11:17:26","modified_gmt":"2018-06-08T17:17:26","slug":"reasons-a-home-insurance-claim-can-be-denied","status":"publish","type":"post","link":"https:\/\/www.paragoninsagencies.com\/blog\/reasons-a-home-insurance-claim-can-be-denied\/","title":{"rendered":"Reasons a Home Insurance Claim Can Be Denied"},"content":{"rendered":"
The main purpose of home insurance is to pay for losses when a disaster strikes, thereby helping the residents of Plano, TX and the surrounding areas recover from such risks. But you’ll find quite a number who have complaints about their claims being denied. Sometimes it’s difficult to understand how home insurance works and what it covers. Talk to an agent at Paragon Independent Insurance Agency to help you understand what is or what isn’t covered by your policy. Before you judge the insurance companies, here are some of the reasons your home insurance claim can be denied:<\/div>\n
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Property’s Condition<\/strong>: The insurance company can use PropertyPredictR to estimate the risk for claims. Damages caused due to the poor condition of the home such as poor maintenance are not covered.<\/div>\n
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Exclusion Clause<\/strong>: Insurance policies have exclusions clauses that show what the insurance company won’t cover. Such exclusions include flood and earthquakes. You need an additional policy to cover such risks.<\/div>\n
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Insufficient Coverage<\/strong>: Home insurance covers your risks but to a certain extent, so before you make a claim, make sure it’s within the coverage limit. If you make a higher claim, then the whole claim may be denied.<\/div>\n
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Covered risks:<\/strong> Not all perils are covered by home insurance. This is a common misconception about home insurance; therefore, understand what risks are covered in your policy before making a claim.<\/div>\n
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False Information<\/strong>: If you have given false or exaggerated information in your application, your claim could be denied. Plus, you might get sued.<\/div>\n
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Negligence<\/strong>: If an accident is caused due to negligence, the insurance company may deny your claim. <\/div>\n
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Make sure you pay your premiums on time, maintain your property to minimize risks, and have enough coverage. At Paragon Independent Insurance Agency, we offer affordable and reliable home insurance policies for your Plano, TX home. For any questions, contact us today.<\/div>\n","protected":false},"excerpt":{"rendered":"

The main purpose of home insurance is to pay for losses when a disaster strikes, thereby helping the residents of Plano, TX and the surrounding areas recover from such risks. But you’ll find quite a number who have complaints about their claims being denied. Sometimes it’s difficult to understand how home insurance works and what […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[178,179],"class_list":["post-297","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-paragon-independent-insurance-agency","tag-plano-tx"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t