Top 5 Reasons Your Insurance Claim Could Be Denied in Pennsylvania (And How to Avoid It)
When you pay your insurance premiums month after month, you expect protection when something goes wrong. But what happens when your claim gets denied?
Denied insurance claims are more common than people think—and in many cases, they could have been prevented.
Here are the top 5 reasons why insurance claims get denied in Pennsylvania, and how to make sure it doesn’t happen to you.
Denied Claims Are More Common Than You Think
Most claim denials are caused by simple oversights, unclear policy language, or a lack of understanding of what your coverage includes. Whether you're dealing with auto, home, or renters insurance, knowing these common pitfalls can save you from costly surprises.
Reason #1: Lack of Documentation or Evidence
If you file a claim but can’t back it up with photos, receipts, or written reports, your insurer may question its validity. Always document:
The scene (accident, property damage, etc.)
Damaged items
Any communication with police, contractors, or medical professionals
Reason #2: Missed Deadlines
Most policies include a time limit to file a claim—sometimes as short as 30 days. If you delay reporting an accident or damage, your claim could be denied for "late notice."
Tip: Notify your insurance agent as soon as possible after an incident.
Reason #3: Excluded Events or Coverage Gaps
Some events just aren’t covered under a standard policy, such as:
Flood damage (requires separate coverage)
Earth movement (like sinkholes or landslides)
Wear and tear or lack of maintenance
Understanding what your policy excludes is just as important as knowing what it covers.
Reason #4: Policy Misunderstandings
You might assume something is covered when it’s not. For example:
Your auto policy might not cover a rental car
Home insurance may not cover all high-value items (like jewelry) without a rider
Reading the fine print with your agent can prevent these misunderstandings.
Reason #5: Incomplete or Incorrect Information
If your application or claim includes incorrect info—whether intentional or not—it could trigger a denial. This includes:
Undisclosed drivers on an auto policy
Underreporting home value or business assets
Always be transparent when applying and filing claims.
How to Protect Yourself from a Denied Claim
Keep detailed records of belongings, repairs, and communications
Understand your policy inside and out
Review your coverage regularly
Work with a Local Agent Who Knows the Fine Print
At Ebensburg Insurance, we don’t just help you file claims—we help you avoid issues before they happen. Our agents walk you through coverage limits, exclusions, and what to expect if the worst happens.
Don’t wait until your claim is denied to ask questions. Request a free policy review or quote today, and feel confident knowing your coverage works when you need it.
Serving Ebensburg, Bellwood, Carrolltown, Northern Cambria, and all of Cambria County.
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