FAQ — common insurance claim questions, explained

This FAQ gives quick, plain-language answers to common questions. Each answer links to a deeper explanation. We don’t provide advice, strategy, or representation.

Why was my claim denied?

Most denials come from exclusions, definitions, conditions, or missing evidence. Start with Why claims are denied.

Why is my payout lower than I expected?

Common reducers are deductibles, depreciation (ACV), limits, and separating covered vs excluded causes. See Why partial payouts happen.

Why do insurers keep asking for documents?

They’re typically confirming cause, timing, ownership/value, and scope. See Documentation requests explained.

What does “wear and tear” mean?

It usually signals deterioration that happens over time and is treated as maintenance, not an insurable event. See Common exclusions and Wear vs sudden damage.

Why do claims take so long?

Claims involve verification and scoping. Contractor timelines and evidence gathering also matter. See Why claims take so long.

Why did my premium go up after a claim?

Insurers re-rate risk based on claim history and broader pricing changes. See Premium increases explained.

Does replacement cost mean I get a brand-new item paid for?

Not always. Some policies pay ACV first and release a holdback after proof of replacement. See ACV vs Replacement Cost.