Your policy was written by lawyers. Your denial letter was written by lawyers. We translate both — so you can decide what to do next, on your own terms.
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… the loss is excluded under the policy's anti-concurrent causation clause, and the claimed damage is attributed to wear and tear rather than a covered peril …
Anti-concurrent causation: if two things caused the damage together and one isn't covered, they may deny all of it. This clause is often challenged.
Wear and tear: a very common denial reason. It's an opinion about cause — and opinions can be disputed with your own documentation.
Every denial letter has a reason code. Most people never learn what theirs means.
Start wherever your problem is right now. Every guide explains a process and links its sources.
Premiums, deductibles, accidents, teen drivers and what full coverage really means.
Explore 15 guidesNon-renewals, rising premiums, FAIR plans, and what your policy leaves out.
Explore 14 guidesFiling, appealing, disputing a lowball offer and complaining to your state.
Explore 12 guidesThe discounts almost nobody claims and the levers that actually move a premium.
Explore 10 guidesPremium, deductible, limit, endorsements — the words your policy assumes you know.
Explore 9 guidesMoving states, divorce, a first home, a new driver, a DUI, a death in the family.
Explore 9 guidesReal regulatory actions and court records, explained — every source linked.
Explore 4 toolsDecode a denial letter, compare deductibles, audit your policy, find your regulator.
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Statistics come from state regulators, the NAIC, the FTC or public court records — and we link them.
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What a denial letter actually means, what your options are, and the deadlines that matter.
Read the claims guidesNon-renewal is not the same as cancellation. Here's what each one means and what comes next.
Read the home guidesThe reasons are usually not about you — and some of them you can do something about.
Read the savings guides