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Pre-existing damage and lack of maintenance: the insurer’s most common excuse to avoid payment (and how to dismantle it)

When an insurance company wants to close a claim without covering the actual cost of the loss, two phrases come up time and again: > “That damage was...

1/2/2026

Why insurance claims are denied (and when you can challenge the decision)

### Real cases: when an innocent sentence changes the entire claim In many insurance claims we review, the real problem is not the damage or the poli...

8/25/2025