Home insurance exclusions: why claims get denied

Plain-language guidance to help you budget and avoid surprises.

Common reasons claims are denied

• Wear and tear or gradual damage (maintenance-related)
• Pre-existing issues
• Certain types of water damage (depending on policy and endorsements)
• Mold or rot (often tied to maintenance exclusions)
• Vacancy or unoccupied-home rules
• Unreported changes (renovations, business use, certain rentals)

How to reduce surprises

Ask your insurer what is NOT covered in plain language, and confirm in writing if possible. Consider endorsements for risks common in your area.

• Request a clear list of exclusions and limitations
• Ask about sewer backup, overland flooding, and sump pump coverage where relevant
• Ask how claims history affects premiums and renewal

Premium increases

Even without claims, premiums can rise due to regional risk changes and insurer pricing. Plan for insurance costs to change over time.