Getting your home insurance claim denied can be frustrating—especially when you’re dealing with unexpected damage or loss. In British Columbia, knowing your rights and understanding the next steps can help you turn things around. If your claim has been denied, speak with a Park Insurance broker today. We’re here to help guide you through your options.

Why Home Insurance Claims Get Denied

While every claim situation is different, there are some common reasons why insurers may choose to deny a home insurance claim. Sometimes, it comes down to the specifics of what’s covered in your policy. For example, standard home insurance doesn’t cover every type of damage—issues like wear and tear, flooding, or pest infestations may fall outside the scope of your coverage.

Other common reasons include:

• Missing documentation: Lack of photos, receipts, or proof of ownership.
• Delayed reporting: Claims reported too late after the incident.
• Negligence or poor maintenance: Damage resulting from issues that could have been prevented.

Understanding the reason behind the decision is the first step toward resolving it.

Steps to Take After a Denied Claim

If your claim has been denied, it doesn’t necessarily mean the conversation is over. Start by reviewing your policy in detail to get clarity on what is and isn’t covered. This can help you understand whether the denial was justified or if it may be worth pursuing further. Next, request a written explanation from your insurer outlining the specific reason for the denial.

Once you have that information, take these proactive steps:

• Look for errors or misunderstandings: A clerical mistake or misinterpretation may have occurred.
• Collect additional evidence: Provide updated documentation, expert assessments, or invoices.
• File an internal appeal: Most insurers offer a structured process to formally dispute their decision.
• Work with a broker: A Park Insurance broker can advocate for your case and guide you through next steps.
• Contact the General Insurance OmbudService (GIO): If you’re still unsatisfied, the GIO provides free, impartial support for Canadian insurance consumers.

Before you give up on a denied claim, consider what you can still do to turn things around. Taking the right steps can improve your chances of a successful appeal.

Key Takeaways

Having your home insurance claim denied can feel like hitting a wall, but it doesn’t have to be the end of the road. There are clear steps you can take to review the decision, gather evidence, and challenge the outcome.

Keep in mind:

• Denials often stem from technicalities that can be clarified or corrected.
• Proper documentation is your strongest ally.
• Brokers are valuable partners when navigating appeals or complex claims.

Don’t go through it alone—a Park Insurance broker is here to help you every step of the way.

Need help navigating a denied home insurance claim? Speak with a Park Insurance broker today for expert guidance and support.