If Your Home is Unlocked, Can Your Insurance Claim Be Denied?

If Your Home is Unlocked, Can Your Insurance Claim Be Denied?

One of the reasons people insure their home is to protect it against burglary. A startling fact is that 1 out of 10 homes can be burgled. If by chance you had left the door unlocked, then there is a chance that the insurance company could deny your claim. This is a serious situation as you can lose a lot of money.

There are some insurers who may accept the claim. To be on the safe side, you need to ensure that you do not anything that results in a denied insurance claim.

 

On what grounds can an insurer deny your claim?

The following are nine different areas where an insurer can deny your burglary insurance claim. You should be aware of all these so you don’t make any of these costly mistakes.

 

1) Keeping the windows unlocked

If you have locks on your window, make sure you close them before leaving the house unoccupied. If you have windows without a lock or if the windows having a lock are not closed, then your insurance claim can be denied.

2) Misrepresenting the locks you have

When you have installed locks in your home, you may need to inform your insurer of the same. This is required, so the insurance company can assess the risks involved. Having secure locks ensures you can get a discount on the premium. At the time of making a claim, if the insurer finds out you misrepresented the locks you had, you are in trouble. Your claim will be denied.

3) A burglar alarm that is not active

If you have a burglar alarm in your house, it makes the house more secure. You may have even informed this fact to the insurer. It is now your duty to keep the alarm activated. If you forget to do so, it would become a costly mistake. Your claim is likely to be denied.

4) Using your own tools to gain entry

If the burglar uses any tools belonging to you to gain entry to the house, you could be in trouble. If you have left ladders or wrenches outside, then the burglar may use it. If this happens, your claim is likely to be denied.

5) An entry that doesn’t happen forcibly

Burglary involves a forced entry, where a burglar forcibly makes his way into your house. If the entry is not forced, then there is a high chance that your insurance claim could be denied. If you leave the door unlocked or if you leave a spare key outside, then you can be in trouble. In such a situation, your insurance claim is likely to be denied.

5) An entry that doesn’t happen forcibly

Burglary involves a forced entry, where a burglar forcibly makes his way into your house. If the entry is not forced, then there is a high chance that your insurance claim could be denied. If you leave the door unlocked or if you leave a spare key outside, then you can be in trouble. In such a situation, your insurance claim is likely to be denied.

6) Leaving the house unoccupied

Leaving the house unoccupied is normal when you go out somewhere, especially for a vacation. But if you leave your house unoccupied for more than 30 days, then it could be a problem. Check the fine print of your policy. If such a clause is there, make sure someone stays at least for a day in-between to avoid this problem.

7) Using your home for business purpose

Home businesses are common. The problem is a home business leads to a lot of people coming and going. This increases the risk of burglary. This may be used as a ground to deny your claim.

8) No police report

If there is a burglary, you need to file a police complaint. The insurance company would expect you to file a police report within 24 hours of the burglary. If you fail to do so, then your claim will not be processed.

6) Leaving the house unoccupied

Leaving the house unoccupied is normal when you go out somewhere, especially for a vacation. But if you leave your house unoccupied for more than 30 days, then it could be a problem. Check the fine print of your policy. If such a clause is there, make sure someone stays at least for a day in-between to avoid this problem.

7) Using your home for business purpose

Home businesses are common. The problem is a home business leads to a lot of people coming and going. This increases the risk of burglary. This may be used as a ground to deny your claim.

8) No police report

If there is a burglary, you need to file a police complaint. The insurance company would expect you to file a police report within 24 hours of the burglary. If you fail to do so, then your claim will not be processed.

9) Leaving listed items outdoors

Some items like a lawnmower or a barbecue grill are left outside. If they are stolen, your claim may be denied. Ensure you get these items listed in your policy. In case, they are not listed you must keep them locked in a shed or some other enclosure.

Make sure you keep all these points in mind so your insurance claim will never be denied. These points also illustrate why it is important to work with a locksmith who is reliable and can be trusted. Get in touch with us now so you can get the best locks for your home.

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