Making a Claim
Why a claim gets declined, in order of frequency
Declined claims cluster into a handful of causes, and nearly all of them are decided long before the loss happens.
Making a Claim
Evidence, timing, loss adjusters and what to do when a claim is declined.
3 articles · updated August 11, 2026
Making a Claim
The exclusions page is the policy
Cover is defined by what it refuses to pay for. Reading the schedule first tells you more than any summary.
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Making a Claim
Auto-renewal is where insurance quietly gets expensive
Renewal pricing is not a reward for loyalty. In most markets it is the opposite, and it compounds silently.