A claim may be denied because it wasn't covered under the terms of your policy, the damage wasn't caused by a covered loss, or sometimes there may not have been a policy in force at the time the loss occurred.

You should discuss it with your adjuster by phone or by sending them a message in the Claims Communication Center. If you have new information or need to send us anything, we're happy to help.

After you file a claim, your adjuster will investigate the facts of your loss, including the details you provide, and review your policy. Your adjuster may need to see the damage to your home or request receipts for a damaged or stolen item. Once your adjuster has the relevant information, they'll determine what's covered and pay in accordance with the policy.

No, you don't need to take any action if your claim has been denied. We'll provide the reason for any denial, partial denial or exclusions in your policy.