What to Do If Your Homeowners Insurance Claim Is Denied 

Filing a homeowners insurance claim after damage to your home can be stressful, but finding out your claim was denied can be even more frustrating. If you’re a California homeowner facing a denied claim, don’t panic. There are steps you can take to understand the decision, challenge it if necessary, and protect your rights.

Why Home Insurance Claims Get Denied

Insurance companies in California are required to act in good faith and provide clear explanations for denied claims. Common reasons for denials include the following:

• Policy exclusions—Some types of damage, such as flooding, earthquakes or poor maintenance, may not be covered under a standard homeowners policy.

• Insufficient documentation—Missing receipts, photos or repair estimates can lead to a denial.

• Late reporting—If you wait too long to report a claim, the insurer may reject it.

• Disputed cause of damage—The insurance company may argue that the damage wasn’t caused by a covered peril.

In wildfire-prone areas, it’s especially important to understand what your policy does and doesn’t cover. For example, some policies have strict wildfire exclusions or require proof of fire-resistant construction.

Steps to Take After a Denied Claim

If your claim is denied, take the following steps:

1. Review the denial letter. It should include the specific reason for the denial.
2. Check your policy. Compare the denial with the actual language in your policy.
3. Gather evidence. Collect any additional documentation, photos or expert opinions that support your case.
4. Appeal the decision. You can submit an appeal directly to the insurer. With more information, some denials are overturned.
5. File a complaint. If you believe the denial was unfair, you can file a complaint with the California Department of Insurance.

Don’t Face a Denial Alone

A denied claim doesn’t have to be the end of the road. Nijjar Insurance Services helps California homeowners navigate the claims process and fight for the coverage they deserve. Contact us today for assistance reviewing your policy, understanding your options, or getting the support you need to move forward.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.