It also has to list the limitations or exclusions, which are things your insurance won't cover. Then read over the letter or form your insurance plan sent you when it denied your claim.

About 100 claims remain to be processed.The proof of loss form -- a sworn statement made by the policyholder that substantiates the insurance claim -- is part of the requirement for a flood claim ...

Premium increases: After a claim, your insurance premiums might go up, as you could be seen as a higher risk. Deductible costs: You’ll need to pay your deductible before coverage kicks in, which ...