Most-read explanations
The real reasons denials happen — exclusions, conditions, documentation, and timing.
Plain-language explanations of “wear and tear,” gradual damage, and other frequent exclusions.
How deductibles and “per-occurrence” rules change payouts.
Why “replacement cost” doesn’t always mean what people think it means.
Quick answers that link to deeper explanations.
Important: This site is informational only. It does not provide legal advice, claim strategy, or representation. See the disclaimer.
What you’ll get here
- Clear definitions of common policy terms
- Why claim outcomes vary even with “similar” events
- Why delays happen and what insurers typically need to process claims
- How payouts are commonly reduced (deductibles, depreciation, limits)