home ins problem

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 6, 2011

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Insurance Question from Mount Prospect, IL

Asked on 11/06/2011

home ins problem can a ins company deny your claim because u messed up on the facts of the claim and tried to make it right

Answer given on November 07, 2011

When you file a claim for damage to your home under your homeowner insurance it is expected that you report the details accurately. While there may be confusion based on questions asked by the adjuster for your insurance company there should not be any serious difference in your original details and any amended information. If there is a dramatic change in your description of the claim, the insurance adjuster may feel you are attempting to change the claim to be sure you will be reimbursed.You should talk to your insurance agent, and the adjuster to try to clarify the details of your loss. There are specific perils that are covered under the homeowner policy and if you were told there was no coverage, and then changed your story, there could be some doubt placed on your revised story. Explain, clearly, why you changed your description of the loss. It may just be a minor issue.

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