Yet even when an incident is covered, an insurer might reject the claim.
One in three (30%) reported that they are having to chase their provider to get an update on their claim or to help move along the process, and 29% said the process was taking a lot longer than they expected
Here we examine why claims fail, and what you can do about it.
Which claims are most likely to be declined?
Storm damage cover comes in at number one for the most declined home insurance claims, with 9% of extreme weather claims rejected.
These types of claims can be complex to evaluate. With some claims, insurers have been known in some cases to dispute whether a 'storm' even took place based on whether reported windspeeds met their criteria for a 'storm' in their small print.
At the other end of the scale, the least commonly rejected type of claim was home emergency (incidents requiring an immediate response such as emergency repairs to the heating, plumbing systems). Only 1% of these claims were rejected.
Most declined types of claims
Why do claims get declined?
The most common reasons why this happens are:
The most common kind of claim, according to the claimants in our survey, is accidental damage.
Find out more:How to challenge your insurer
If you are unhappy with the answer from your insurer all is not lost.
You can challenge your insurer's decision. However, it is vital that you are confident you have supplied accurate and detailed information and that your insurer is being unfair.
Ask to speak to your insurer’s complaints department and find out what their policy is. Complaining in writing is the best way as it leaves you with a paper trail and shows the company you want this matter dealt with formally.
They will have eight weeks to respond to your complaint but hopefully you will hear back sooner than that.
Which insurers are best for claims?
We asked survey respondents to give their home insurer a claims score, based on their experience of their latest claims.
Coming out top with a claims score of 80% was NFU Mutual, which also happens to be our only Which? Recommended Provider of home insurance.
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source https://www.which.co.uk/news/article/what-sort-of-house-insurance-claim-is-most-regularly-declined-aGhuo5w2QSMC