Preventing a Home Insurance Claim from Getting Denied
Home insurance offers peace of mind in case of unexpected damage or loss, but that protection only applies if your claim is approved. Many homeowners are surprised to learn their claims are denied for reasons that are often preventable. Knowing how to avoid the pitfalls can help ensure your homeowners’ policy works for you when you need it most.
Common Reasons for Claim Denials
After a fire, flood, or other disaster, learning that your claim has been denied may be the worst possible news. The following are some common reasons for homeowners’ insurance claim denials:
- Exclusion clauses: Your claim will be denied if the cause of the damage is excluded from coverage in your policy.
- Non-payment of premiums: Homeowners coverage is contingent upon timely premium payments.
- Late filing: Insurance companies require prompt notification of losses and impose time-sensitive filing and documentation requirements for claims.
- Insufficient documentation of damage: Accurately documenting the damage to your property in a detailed manner, with photographs, is essential.
- Insufficient preventative measures following a loss: Policyholders must take steps to protect the property from further damage and mitigate the extent of loss. Failure to do so could be grounds for denial.
- Questionable claims or false statements: The insurance company will send an adjuster to investigate your claim, which may be denied if anything questionable is found.
Avoid the Pitfalls
Take the following steps to help ensure you have the homeowners coverage you need, when you need it:
Review Your Policy Regularly
As your home changes, so do your coverage needs. Renovations, additions, and new appliances can all affect policy requirements. Review your homeowners policy after any major updates to your property and at least once a year to help prevent denied claims. Every home insurance policy has exclusions and limitations. Our agent can help you review your policy to identify these exclusions and advise you on additional coverage if necessary to help prevent unpleasant surprises.
Document the Condition of Your Property
Keep detailed records of the condition of your home, including photos or videos of each room and any valuable items. Store digital copies in the cloud so they remain accessible in case your home is damaged by fire or another peril. Documentation plays a key role in successful claims. It serves as crucial evidence in proving the pre-damage condition of your property and the extent of loss.
Perform Routine Maintenance
Claims may be denied if the insurer determines that neglect rather than a covered event caused damage. When a roof leaks due to long-term wear, your claim for storm damage may not be covered. Regularly inspect and maintain critical systems, including your roof, electrical, and plumbing, and keep records of maintenance and repairs to demonstrate your diligence.
Report Claims Promptly, Honestly, and Thoroughly
Delay in filing a claim can cause issues with approval. Most insurers require that claims be submitted within a specific time frame after a loss. Accuracy is essential. Incomplete or inaccurate information can lead to a denial. Provide a detailed description of the incident, along with supporting evidence, and do not exaggerate your losses. Insurance companies often verify claims with inspections or reports, and honesty keeps your credibility intact.
Connect with us at (828) 478-3743 for assistance on personal insurance that can protect you and your family should the unexpected occur.
The Lumber Was Gone Overnight — A Costly Mistake During Construction
It was supposed to be the start of something great. The framing crew had dropped off materials for the new build: floor trusses, plywood, and windows still in their packaging. The foundation was poured, the lot was prepped, and work was set to resume on Monday. But when the crew showed up? The lumber was gone. Thousands of dollars in materials vanished overnight. No security. No cameras. And worst of all, no builder’s risk insurance.
What Is Builder’s Risk Insurance?
Builder’s risk is a specialized insurance policy designed to protect property under construction.
Whether you’re a:
– Homeowner building your dream house
– Investor flipping a property
– GC running a new development
– Business owner remodeling your location
You need to protect the structure and the materials from theft, vandalism, fire, or weather damage, even before the job is finished.
Who Should Buy It?
That depends on the contract. Builder’s risk can be purchased by:
– The property owner
– The builder or contractor
– A lender requiring it as part of financing
The key is: someone needs to carry it. Otherwise, you’re flying without a net.
Why Home or Business Insurance Won’t Cut It
Traditional home or commercial property insurance expects the building to be:
– Secured
– Occupied
– Fully enclosed
If it’s just studs and open framing, your standard policy may exclude coverage entirely.
Builder’s risk is built for:
– Unfinished structures
– Exposed interiors
– Materials stored on-site
– Gaps in walls, roofs, and windows
Don’t Let Theft or Fire Derail Your Build
If you’re starting or managing a construction project, don’t skip this step.
Protect the build from day one.
We’ll help you figure out who should carry the policy, when to start it, and what coverage is needed for your job.
📞 Call us before the first truck rolls in.
Do You Need Flood Insurance If You’re Not in a Flood Zone?
Many homeowners assume they don’t need flood insurance because they’re “not in a flood zone.” But the truth is—everyone is in a flood zone. The only question is: Is your risk high or low?
What Is Flood Zone X?
Most properties in North Carolina fall into Flood Zone X, which FEMA designates as low risk. However, low risk doesn’t mean no risk.
Flood Zone X properties can still experience flooding due to:
– Heavy rain and poor drainage
– Storm drain backups
– Water runoff from nearby construction
– Mudslides and ground movement caused by water
What Homeowners Insurance Doesn’t Cover
Standard homeowners insurance does not cover flood damage.
It also won’t help if:
– Water accumulates outside and enters your home
– Mudslides (fluid ground movement) damage your property
– Water crosses a property line and impacts multiple homes
These scenarios require a separate flood insurance policy.
What Counts as a “Flood” in Insurance Terms?
Flood insurance typically covers:
– Pooling or gathering of water from outside
– Damage that crosses over property lines
– Ground movement or mudslides caused by water
It kicks in where homeowners insurance stops—providing protection for those unexpected water-related disasters.
How Much Does Flood Insurance Cost?
If you’re in Flood Zone X, flood insurance is often very affordable. At Connor Insurance, we offer access to private flood insurance quotes online, in minutes.
➡️ Visit our flood page to get a quote now: ConnorInsuranceAgency.com
Should You Buy Flood Insurance?
If you’re unsure, here’s what to do:
1. Find out what flood zone you’re in (we can help).
2. Consider your property’s slope, drainage, and surroundings.
3. Get a fast quote—then decide.
Protect What Homeowners Insurance Can’t
Flooding is the #1 natural disaster in the U.S. Don’t assume you’re safe just because you’re “not near water.” One heavy rainstorm can change everything.
Get a flood quote or give us a call today. Let’s protect your home from the unexpected.
5 Holiday Retail Risks to Avoid
For most retailers, the holiday season is the busiest and most profitable time of year. With higher customer traffic and increased online sales come greater risks. Both brick-and-mortar stores and e-commerce businesses face unique challenges over the holidays. Help protect your profits, customers, and reputation by taking steps to identify and manage these risks.
Theft and Shoplifting
Crowded stores, rushed shoppers, and distracted employees create the perfect opportunity for theft. Both shoplifting and employee theft tend to rise during the holiday rush. Help deter thieves by installing security cameras, placing mirrors in blind spots, and maintaining an adequate number of staff on the floor. Train staff to spot suspicious behavior and handle theft safely. Inventory tracking systems can identify discrepancies early before they become major losses.
Cybersecurity Threats
Online retailers face a surge in cyberattacks during the holidays. Hackers take advantage of increased web traffic and the urgency of holiday shopping to launch ransomware attacks, data breaches, and phishing scams. Protect your business with strong cybersecurity measures, such as updated software, multi-factor authentication, and secure payment gateways. Regularly monitor for unusual account activity and train staff to recognize phishing attempts. Our agent can help you find effective cyber liability insurance at the best available rates to provide financial protection in the event of a data breach.
Payment Fraud and Chargebacks
The rush of holiday sales can attract scammers. Fraudulent credit card transactions, chargeback scams, and fake refund requests typically spike during the holiday season. In-store and online retailers should use secure payment systems that include address verification and fraud detection tools. E-commerce businesses should monitor transactions for unusual patterns, such as multiple high-value orders from the same IP address, to help flag suspicious activity early. Meet with our experienced agent to review your commercial crime insurance policy before the holiday season to help protect your business.
Delivery and Package Fraud
Package theft and delivery scams are growing issues for e-commerce retailers. Criminals may intercept deliveries or claim packages never arrived to obtain refunds. Work with reputable shipping partners, require delivery confirmation, and use tamper-evident packaging to reduce losses. Clear communication with customers about delivery expectations can help prevent disputes. Insurance coverage for goods in transit can provide an added layer of protection against damage or loss.
Customer or Employee Injuries
Icy parking lots and overcrowded aisles can lead to injuries that result in costly claims. Retailers should maintain proper lighting, keep walkways clear, and promptly clean spills to help prevent accidents. Provide clear signage for wet floors or high-traffic areas. Remind employees to use safe lifting techniques and wear appropriate footwear in the warehouse or back room. General liability and workers’ compensation coverage can help protect your business if an injury occurs.
Protect Your Business This Holiday Season
Holiday sales can bring great rewards but also significant risks. Take proactive steps to improve security, maintain safety, and review insurance coverage to safeguard your business during the busiest time of year. Contact our local North Carolina agent today at (828) 478-3743 to help ensure your retail operation has the right coverage to handle whatever challenges the holidays may bring.
Driving Safety Tips for Holiday Travel
Every year, millions of Americans take to the road for the Thanksgiving holiday, traveling to spend time with their family and friends. Along with the anticipation of a wonderful celebration, the season has unpredictable weather, very heavy traffic, and an increased risk of accidents. If you have plans to travel this Thanksgiving, practicing safe driving conduct is critical. Read some of the basics that can help you enjoy a safe, pleasurable road trip.
Inspect Your Vehicle Before Your Trip
Before you leave, a quick check of your vehicle can help you avoid a breakdown or other problem. Ensure your tires have good tread and the tire pressure is correct. Check your oil, coolant, and washer fluid levels. Test your brake lights, headlights, and turn signals to ensure they work properly. If your car is due for a maintenance check, schedule it before your trip.
Plan Ahead and Leave Early
Plan your route before you leave to help you stay safe during Thanksgiving travel. Check weather forecasts, road closures, and traffic conditions. If possible, travel during off-peak hours, such as early morning or late evening, when the roads are often less congested. Leave early to reduce stress and allow time for unexpected delays.
Do Not Drive Distracted
Safe driving requires keeping your eyes on the road ahead, your hands on the wheel, and your full attention on the road ahead. Holiday travel often means traveling on unfamiliar routes and interacting with your passengers. Set your GPS before you start and pull over safely if you need to adjust it. Keep your phone in “Do Not Disturb” mode. If you need to send a message or make a call, let a passenger do it, or pull over. Focus on the road while driving and save the multitasking after you arrive.
Stay Alert and Drive Defensively
Defensive driving is essential, as over 80 million Americans will travel this year, an all-time record. Maintain a safe following distance, especially in wet, snowy, or icy conditions. Avoid sudden lane changes. Watch for other drivers who may be distracted or fatigued and give them plenty of space. Pull over to switch drivers or rest if you start feeling tired.
Stay Sober Behind the Wheel
Thanksgiving celebrations often include alcoholic drinks, but as we know, drinking and driving never mix. Even one drink can affect your judgment and reaction time. If your celebrations include alcoholic beverages, arrange for a designated driver, rideshare, or taxi service.
Prepare for Weather Changes
The weather can be unpredictable in late November. Rain, fog, or early snow can cause hazardous driving conditions. Slow down and increase the distance if you encounter slick roads or poor visibility due to fog, rain, or snow. Safety always takes priority over speed. Keep an emergency kit in your vehicle, with essentials such as blankets, water, a first-aid kit, jumper cables, a flashlight, and snacks.
Make Sure You Are Covered Before You Hit the Road
Before setting out for Thanksgiving travel, ensure your auto insurance covers all the risks you could face while traveling during the busiest time of year. Reviewing your policy beforehand helps you confirm you have adequate liability, collision, and roadside assistance coverage. Call one of our friendly local North Carolina agents at (828) 478-3743 for guidance to ensure your current policy suits your travel needs. Knowing you are covered can provide peace of mind so you can enjoy the holiday with loved ones.
“I Thought I Was Covered…” — When Personal Insurance Doesn’t Protect Delivery Drivers
Last year, Mike started delivering groceries on the weekends to make extra money. Instacart runs here and there. A few hours on Sunday. Nothing major. Until one rainy afternoon, when he slid through an intersection and rear-ended a car.
No big deal, he thought. That’s what insurance is for, right? Wrong. His claim was denied. Why? Because Mike was on an active delivery, and his personal auto policy didn’t cover business use.
The Business of Using Your Own Car
Whether it’s Uber, DoorDash, Instacart, Amazon Flex, or even dropping off baked goods from your home business—if you’re using your personal vehicle for profit, your standard insurance likely won’t cover you.
Why? Because insurance companies classify this as commercial use, and unless your policy is specifically endorsed or written to allow it, you’re exposed.
What Could Happen?
– Denied claims
– Policy cancellation
– No coverage if someone gets hurt
– Out-of-pocket repairs or legal costs
What Should You Do?
If you’re using your car to make money, talk to your independent insurance agent. We’ll try and help you:
– Review your current coverage
– Check your carrier’s delivery or rideshare policy stance
– Add the right endorsements or suggest a separate commercial policy if needed
Better Safe Than Sorry
We get it, side hustles are part of life now. But they shouldn’t put your whole financial world at risk. Let us help try to make sure you’re protected, so your “extra cash” doesn’t turn into a massive loss.
“I Thought the HOA Covered It…” — A Costly Mistake in a Townhome Complex
Erica had just moved into her new townhome in a cute, quiet neighborhood in North Carolina. The HOA dues were reasonable. The landscaping was pristine. And she was told, “Don’t worry—insurance is included.” Fast forward six months. A pipe burst behind her kitchen wall, flooding the floors and damaging the cabinets. She called the HOA. They called her insurer. And that’s when she found out: No one was covering the interior damage. Why? Because her HOA bylaws only covered the exterior—and her personal policy wasn’t set up to fill the gap.
Understanding the HOA Insurance Equation
Living in a neighborhood or condo governed by an HOA? Your insurance needs depend entirely on what the bylaws say. And they don’t always say what you think.
There Are Two Sides to HOA Insurance:
1. The HOA’s Master Policy – Usually covers shared spaces, exterior structures, and liability.
2. Your Individual Policy – Should cover whatever the HOA doesn’t—often everything from the drywall in, but sometimes the entire thing!
Bylaws Are the Blueprint
In North Carolina especially, we see a mix of HOA models:
– Some townhomes need full homeowners coverage.
– Some condos only require “walls-in” or HO-6 policies.
– Some are in-between and highly specific.
Bottom line: If you don’t read your HOA bylaws or talk to your agent, you could be uninsured and not even know it.
What You Should Do
– Get a copy of your HOA bylaws
– Have an independent agent review them
– Get a personal policy that fits the actual structure of your HOA
We Know HOAs—Because We Insure Them
At Connor Insurance, we insure both HOA organizations and residents who live in them. We know how to read the fine print—and we’ll help you build a policy that fills in the gaps.
Let’s make sure you’re covered before the leak happens, not after.
Don’t Let a Disaster Halt Your Business: The Power of Business Interruption Insurance
When a fire, storm, or other unexpected event forces a business to shut down temporarily, the financial toll can be disastrous. This is where business interruption insurance comes in. This type of insurance is designed to protect your company’s income, help you pay your bills, and retain employees when the business is shuttered.
What Is Business Interruption Insurance?
Also known as business income insurance, this coverage provides financial assistance for lost revenue, ongoing expenses, and temporary relocation if your business is forced to close after a covered event, such as a fire or natural disaster. It applies to temporary disruption of operations during the business interruption period specified in the policy. Business interruption insurance can help cover payroll, loan payments, and taxes.
Why Should You Consider It?
Disasters rarely come with a warning. Fire, vandalism, or a natural disaster could disrupt operations and income for weeks or months. In such cases, many small businesses struggle to recover, and some may never reopen. Business interruption insurance can make it possible to keep your business going by helping you:
- Replace lost income
- Cover fixed expenses such as rent, utilities, and loan payments while operations are on hold
- Retain valuable employees by continuing to pay wages
- Fund temporary relocation while repairs are made
- Minimize disruption for your customers and keep your reputation intact
FAQs About Business Interruption Insurance
Here we provide answers to some commonly asked questions about business interruption insurance.
Is this coverage included in a standard commercial property insurance policy?
No, it is not. Property insurance covers physical damage but not lost income or additional expenses due to disaster-related downtime. Business interruption insurance is a separate policy or endorsement.
Is lost revenue from backouts covered?
That depends on the cause of the power outage. If it results from physical damage to your property, for example, from a storm, this coverage could apply. General power outages not tied to property damage are typically excluded.
How long does coverage last after a disaster?
Business income insurance coverage typically lasts from the date the covered peril began until the date the damaged property is repaired and returned to the same condition as before the disaster, up to the time limit specified in the policy.
Can a seasonal business benefit from this coverage?
Yes, as seasonal businesses are particularly vulnerable when disaster strikes during peak season, they can benefit from business interruption insurance. A policy can be tailored to reflect the unique cycle of a business.
Are business interruption insurance premiums tax-deductible?
Premiums are generally tax-deductible as ordinary business expenses. As always, confirm compliance with your tax professional.
What is the cost of business interruption insurance?
The cost of this coverage can depend on various factors, including the industry, location, revenue, number of employees, and risk level of your business. Policy limits also affect your premiums. Our agents at Connor Insurance Agency can help you find the coverage you need at the best available rates. Give us a call at (828) 478-3743.
Fall Home Checklist: Protecting Your Property Before Winter Hits
When fall is in the air, it is the perfect reminder that winter is just around the corner. Preparing your home now for colder weather can help you avoid costly damage and keep your property safe. Taking proactive steps in the fall can protect your investment and give you peace of mind, knowing you are ready for whatever winter brings. This practical fall home checklist can help you safeguard your property.
Seal Air Leaks
Drafty windows and doors can make your home less comfortable and increase heating costs. Look for cracks or gaps in caulking and weatherstripping and repair or replace as needed. Sealing leaks saves energy and helps keep moisture and pests outside.
Inspect and Clean Gutters and Downspouts
Colorful, falling leaves can clog your gutters and downspouts, causing water to back up and damage your roof, siding, or foundation. Clean out any debris and ensure water flows freely away from your home. Installing gutter guards can help minimize buildup.
Service Your Furnace
Before temperatures drop, have your furnace or heating system inspected. A professional can replace filters, clean components, and ensure it is running safely and efficiently. Routine maintenance can help prevent a breakdown when the weather is cold.
Drain Your Water Heater
Sediment buildup can cause clogs in your water heater. Draining it once a year can help remove sediment and keep it running efficiently. Check manufacturer instructions or contact a professional for help.
Check Smoke and Carbon Monoxide Detectors
Fall is the perfect time to inspect smoke alarms and carbon monoxide detectors to ensure they are working properly. Replace the batteries at least once a year and test smoke detectors once a month.
Clean Chimneys
Have a professional clean and inspect your fireplace and chimney before lighting a fire to take the winter chill away. If you have a gas fireplace, it is still important to inspect the chimney and flue for blockages and the gas lines and vents for leaks.
Shut Down Exterior Faucets
When temperatures dive, water left in exterior pipes can freeze and cause them to burst. Before winter arrives, disconnect and drain outdoor hoses and shut off exterior water lines if possible. Insulate exposed pipes in unheated areas as a preventative measure.
Check Your Roof
The roof of your home is the first line of defense against snow, ice, and wind. Do it yourself or hire a professional to inspect for cracks, curling, or missing shingles. Address any needed repairs promptly.
Winterize Your Yard
To prepare your yard for winter, rake leaves, fertilize the lawn, and cover patio furniture. Clean and store mowers and other lawn equipment. Trim any overhanging tree branches that could break under the weight of snow or ice and damage your roof or power lines.
Review Your Homeowners Insurance with One of Our Connor Insurance Agency Agents
Winter storms can bring unexpected challenges, even with the most thorough preparation. Review your homeowners policy in the fall to ensure you are covered for common risks, such as burst pipes, fallen trees, and roof damage. Our knowledgeable agents can help you identify any gaps and recommend coverage to best protect your property at the most affordable rates. Contact us today at (828) 478-3743.
Why You Shouldn’t Treat Insurance Like a First Option
In today’s world, it’s easy to think of insurance as a subscription service:
“I pay for it, so why not use it?” But that mindset is creating ripple effects in the industry—and it could affect your rates, your renewals, and your future insurability. Let’s break down what insurance is really for, and how to use it wisely.
Insurance Is Emergency Protection—Not Routine Maintenance
Insurance is designed to help you recover from unmanageable financial loss—events that would otherwise devastate you. Of course, there are coverages for minor issues, but that’s not what we’re talking about here.
Think:
– Major property damage
– Liability lawsuits
– Accidents with high repair or medical costs
It is not designed for:
– Small roof repairs
– Cosmetic auto damage
– Everyday “fix-it” expenses
Using insurance too frequently for minor issues can lead to non-renewals, rate increases, or even loss of coverage.
How Claims Impact Your Future Rates
Every claim you file is logged into databases like CLUE (Comprehensive Loss Underwriting Exchange).
Carriers use this history to determine:
– If you’re insurable
– How much they should charge you
– Whether you’re likely to be a “high risk” customer
Frequent claims—even if they’re valid—can signal trouble.
Common Myths That Get People in Trouble
– “It was an act of God—they can’t raise my rates!” Yes, they can. Risk is still risk.
– “If I have coverage for it, I should use it.” Not always. Coverage doesn’t equal recommendation.
– “It’s my money—I’m entitled to use it.” Insurance is pooled risk. Overuse strains the system—for everyone.
So When Should You Use Insurance?
Use it when:
– The damage exceeds your deductible and your emergency savings
– The incident affects your safety, structure, or long-term finances
– Your agent advises that a claim makes sense strategically
Work With an Independent Agent to Get It Right
An independent insurance agent helps you:
– Understand which coverages are “major vs. minor”
– Determine when to file a claim
– Protect your future insurability
– Navigate rate changes and renewals