Why partial payouts happen

A claim can be “approved” and still feel like a disappointment. Partial payouts are common when deductibles, depreciation, limits, or uncovered portions reduce what is paid.

Common reducers

• Deductible applied to the covered amount
• Depreciation under ACV (or RCV holdback)
• Policy limits and category sub-limits
• Separating covered vs excluded causes in mixed events

Why mixed-cause events are tricky

When part of the damage looks sudden and part looks gradual, insurers often try to split the outcome. That can reduce payments even when something was genuinely unexpected.