in What Circumstance Would a Property Insurance Claim be Rejected?
Post-disaster, you can expect your insurance company to send their own adjuster to investigate your claim. If they find anything suspicious or questionable involving the original application for coverage or with the claim itself, it is possible that your claim will be denied.
One of your responsibilities as a property owner is to file and prove your claim to the insurance company—it is not the insurance company’s job to prove the claim to themselves. Therefore, it is important that you accurately document the damage done to your property in a detailed manner by taking photographs in the aftermath to submit to help prove your case.
