Home insurance is meant to give you peace of mind when unexpected damage or loss occurs. But that protection only works if your claim is approved. Many denials happen for reasons that homeowners could have avoided. Understanding the common pitfalls—and how to prevent them—can help ensure your policy protects you when you need it most. 🚫 Why Claims Get Denied Policy exclusions : Damage caused by events not covered in your policy (like floods without flood insurance). Missed p