There may be many reasons why your church’s insurance claim was denied, and a lot depends on the details of your insurance coverage and the circumstances of the damage. While it is possible that the type of damage simply is not covered under the policies that cover your place of worship, some insurance companies go to great lengths to avoid paying for losses in even legitimate cases of church vandalism.
Vandals Often Damage Churches in Strange and Unpredictable Ways
Vandals don’t always have a plan when they damage churches, and the seeming randomness of the damage can create problems for churches when it’s time to file a claim. Vandals may cover buildings in graffiti, damage church property, damage church vehicles, break stained-glass windows, or even tear down landscaping features. While many churches carry insurance specifically for vandalism damage, insurance companies may come up with a number of reasons—both legitimate and unfair—to deny policyholder claims. In some cases, churches may even be accused of creating an opportunity for the vandalism to take place.
Church insurance claims are often complicated, and many religious organizations are unhappily surprised with difficulties after filing a claim for losses due to vandalism. If you need help negotiating an insurance claim, or if you have questions about a denial, don’t hesitate to reach out to an experienced policyholder attorney today for support and guidance. The legal team at The Voss Law Firm would be happy to discuss your concerns in more detail—just give us a call or fill out the contact form on this page today for prompt assistance.