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Does a denied home insurance claim count against you?
I submitted a claim to my home insurance recently for water damage. It was denied since they said the damage was preventable with proper maintenance. Now, I’m worried that on top of having to pay for the repairs, my home insurance claim will increase. Will a denied home insurance claim count against you?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the water damage. Depending on where you live and your home insurance company, a denied claim could count against you.
Some states allow insurance companies to use any claim as a factor to determine rates. If your
home insurance
company rates policies with this information, you could see a rate increase at your next policy renewal. That said, some states prevent insurance companies from rating policies with claims that didn’t result in a payout or if a single claim has been filed. If your state has this law, you shouldn’t see an increase in your premium because of a denied home insurance claim.
To start, reach out to your insurance company to find out their policy on claims. Should you find that at renewal your home insurance rate increases, shop around. Rates vary between companies. There may be another company that will exclude a denied home insurance claim.
If you want cheap home insurance quotes fast, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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