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Insurance claim rejected? What to do next

Claiming on your home insurance can be a long and complicated process, but at least it should end in a positive outcome. But what if it doesn’t?

Aside from the obvious damage to your property, a rejected home insurance claim might make you feel like many hours of liaising with your insurance company and dealing with insurance adjusters have all been for nothing, but don’t give up yet. Whether you’re claiming for fire damage or a water leak, it’s not the end of the road if you have had an insurance claim rejected.

Here are the next steps to take if your insurance company has denied your home insurance claim.

Why was your insurance claim rejected?

Even if you were aware of the reasons why insurance claims are rejected before you entered the claims process, your insurance company may still find a reason to reject your claim.

Before going any further, it’s important to understand why your insurance claim was rejected. It could be that you made an error while giving information about the claim – something that can be easy to do when you’re feeling the emotional strain of a fire or flood in your home – or it could be as simple as not answering a personal question accurately.

Get a second opinion

If your insurance company has rejected your claim on technical grounds, for example over a dispute on the cause of the damage, it may help to get a specialist opinion. This is something that a Loss Assessor, such as Morgan Clark, can help with and handle on your behalf.

At this stage, you may also want to review your policy for any ambiguous wording and to check that everything is correct. Make a note of any wording you believe validates your claim and gather any evidence to support clauses that may have been used to reject the claim.

File a complaint

Once you have collected your evidence, contact your insurance company’s complaints handlers via telephone or letter. If you choose to write a letter to refute your insurer’s rejection of your insurance claim, make sure you include your policy number, any evidence, why you believe the complaint was unfair and what you would like from the company.

If you have complained to your insurance company and received a final response, you can take your complaint to the Financial Ombudsman Service. You can also go to the Ombudsman Service if the insurer does not respond for eight weeks or more. The Financial Ombudsman Service will look at the claim from both sides and attempt to find a fair outcome based on the given documentation and evidence available.

Help is out there

A Loss Assessor can help you through the entire claims process, including dealing with a rejected insurance claim, so you don’t have to go through it alone. As well as providing all the support you need during this difficult time, our experienced Loss Assessors have helped other homeowners overturn a rejected claim and can handle the complaints process on your behalf. Get in touch to find out how we can help you with a rejected insurance claim.

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