When disaster strikes, the last thing you want is for your home insurance claim to be denied. Unfortunately, it happens more often than many homeowners realize. To put things in perspective, a 2023 report by Weiss Ratings found that the denial rate across the entire U.S. was about 37 percent in 2023.

Sure, your policy is designed to protect your home and belongings, but certain missteps can put your policy at risk.

Here are the top seven reasons your home insurance claim might be denied—and what you can do to avoid them.

1. Lack of Maintenance

Insurance covers sudden and accidental damage, not problems caused by long-term neglect. If a roof leaks due to age or your pipes burst because of corrosion, your claim may be denied. Routine upkeep helps keep your home in shape and your coverage intact. Keep a seasonal checklist and handle small repairs before they turn into expensive claims.

2. Excluded Events

Most policies exclude certain events like floods, earthquakes, or sewer backups unless you purchase additional coverage. Filing a claim for damage caused by something explicitly excluded in your policy will likely result in denial. Check whether your policy covers weather-related incidents common in your area and add endorsements as needed.

3. Missing Documentation

When filing a claim, insurers require evidence. If you can’t provide photos, receipts, or an inventory of lost or damaged items, it may hurt your chances. Create a digital home inventory with pictures, serial numbers, and values. Store this information somewhere accessible in case of emergencies.

4. Late Filing

Waiting too long to report damage can jeopardize your claim. Most providers have deadlines for reporting losses, and delays may lead to suspicion or outright denial. Notify your insurance company as soon as possible. Taking quick action also prevents further damage and helps preserve evidence.

5. Incorrect Information

Exaggerating damages or making incorrect statements can lead to denial and possibly an insurance fraud investigation. Even small inaccuracies in your claim can delay the process or result in a complete rejection. Always be honest and detailed when submitting a claim.

6. Unpermitted Renovations

Have you added a new room or finished a basement without informing your insurance company? If the work wasn’t permitted or disclosed, coverage for that space may not apply. Inform your insurer about renovations before they begin and keep records of permits and receipts.

7. Lapsed Coverage

Missing a payment can cause your policy to lapse. Even if you’ve been insured for years, a single gap in coverage could mean you’re no longer protected when you need it most. Set up autopay or calendar reminders to ensure your coverage stays active.

Explore Your Options for Home Insurance

Understanding what can lead to a denied home insurance claim is the first step to protecting your investment. A strong homeowners policy not only provides peace of mind but ensures you’re covered when the unexpected happens. If you’re unsure about what your policy includes or want to compare better coverage options, learn more about our home insurance plans here.