As a property owner in Nevada, you may have obtained insurance to cover potential damages caused by a natural disaster, such as a fire, flood, or storm. However, insurance companies are in the business of making money and will look for any reason to deny your claim. Here are some of the most common reasons an insurance claim may be denied in Nevada.
Failure to file a claim in a timely manner
Under your home insurance policy, you will only have a certain amount of time to file your claim from the date of the loss. Missing deadlines is one way to almost guarantee a claim denial.
False statements made in a claim
The statements you made in your claim do not line up with the insurance adjuster’s findings during their inspection of your property.
Failure to pay premiums
If you failed to pay your premiums on time, your policy may not have been in effect when the damages occurred.
Failure to provide evidence
You will need to provide sufficient information to the insurance company regarding the damages you are claiming. Failure to provide photos of your damaged property and other evidence may be the reason your claim is denied.
Damages fall under policy exclusions
Your policy will contain certain damages that are excluded from coverage. If your claim falls under one of these exclusions, your insurer will deny your claim.
If you are filing an insurance claim for damaged property, do not give the insurance company any reason to deny your claim. File your documentation on time, provide sufficient and accurate information, and make sure your damages are covered under your policy. However, if your insurer still denies your claim, you may be able to file an appeal lawsuit to recover the damages you deserve. An insurance law expert can help advise you on next steps.