Many homeowners in Jacksonville purchase insurance for their properties because it provides them with peace of mind and financial protection against covered unexpected events. They pay their premiums faithfully, not aware that their insurers are only bound by law to cover claims if they are legitimate. Insurers have strict criteria in place that they use to help disqualify claims for payment. These requirements are often the very reasons why some homeowners’ claims are denied.


Lack of documentation

Insurers require their policyholders to provide supporting documentation with their claims. These documents often include photos of all damaged portions of their homes and covered items. Failure to provide those documents can lead to the rejection of their claims. According to, it is the policyholders job to prove that they have suffered covered losses, not their insurers.

Filed claim too late

Some homeowners wait too long to file their claims. Insurance companies have a specific timeline in place as to when claims should be submitted. Submitting claims after deadlines can lead to automatic claim rejections.

Insufficient coverage

Homeowners who fail to read over their policies may find themselves severely inconvenienced when they file their claims. Insurers are very specific about what they cover. Homeowners insurance does not cover any and all property damage. “Some perils are not covered,” states Details regarding covered events and losses are in the policies. Uncovered events are usually in the exclusion clause of the policies. Homeowners who do not learn what the exclusions are in their policies could end up having their claims denied due to insufficient coverage.

Homeowners should do their parts to ensure their insurers have no reason to reject their claims. They should pay all premiums on time, maintain their properties to minimize the risk of damage and double check their policies to ensure they have enough coverage. If they do not, they may bear the expense of paying for uncovered events themselves.