What To Do When Your Home Insurance Claim Is Denied? 
When and if your home insurance claim is denied , it is important to read the denial letter and associated explanation . Primarily , one should read the policy contract and truly understand the mechanics of the coverage and why the claim is not covered . The claims representative will be happy to help guide you through the policy and find the section -LRB- s -RRB- of the policy corresponding to the issue at hand . This is also an appropriate time to speak to a licensed representative with your insurance company and inquire as to whether there is an endorsement available to offer coverage for such a claim in the future . Licensed insurance representatives are generally not allowed to discuss an ongoing claim , this is the job of the licensed claims department . When speaking to a licensed representative of your insurance carrier , your questions must be based on coverage and not claims . Insurance agents are charged with the responsibility of explaining available coverage and endorsements ; they are not permitted to interpret coverage relevant to claims adjustment . For general advice or guidance , you may contact a licensed representative toll free at : -LRB-877-RRB- 931-3368 or contact your insurance carrier directly . 