For a claim to be denied by the adjuster, it has to be result of one of several situations.

A claim can be denied because it is not clearly established that an accident or injury has occurred.

A claim can be denied when an insurance policy is not in force due to cancellation, non-payment of premium, or a lapse in coverage.

A claim can be denied when the damage is a result of a deliberate or intentional act. This situation generally excludes coverage under most liability policies. If the action resulting in the loss or damage is criminal, then any claim will be denied.

Talk to your agent or broker if you have questions regarding your claim. Your advisor can assist you in communicating with the adjuster and help explain the claims process.