There are many reasons why an insurance claim might be denied. While these reasons vary widely, the information contained in a claim could have something to do with it. While it may still be possible to secure payment from an insurer following the denial of a claim, the process can be long and complicated. Accordingly, the way the initial claim is submitted is important. This is true in all types of insurance claims including those involving flooding.
Perhaps the most important thing to note before filing a claim for flooding is the importance of first determining what constitutes flooding in your insurance policy. Not all flooding in one’s home necessarily constitutes flooding for the purpose of insurance matters. Instead, for insurance purposes a flood often refers to the overflow of a body of water. Other flooding that causes damage to a home, for reasons such as a broken sump pump, for example, may instead be considered water damage for purposes of insurance coverage.
This means that while filing an insurance claim for flooding due to sump pump problems could lead to a denial, filing it as water damage could be successful.
Other things can help an initial insurance claim be accepted. For example, generally, sticking only to the facts you know to be true is a good approach. Offering opinions as to what happened without knowing for sure could unwittingly lead to a denial of claims.
Of course, as we mentioned earlier it may be able to challenge a denied claim. In general, this approach focuses on the specifics of not only the incident that prompted the damage but of the insurance policy as well. Because these disputes can be complex, for many it is a good idea to work with a lawyer who handles insurance matters.
Source: NASDAQ, “Filing a Claim? Here’s What Not to Say to Your Insurer,” Brian O’Connell, Accessed Oct. 24, 2014
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