Is It Worth Claiming Against Your Insurance? How to Know Before You Lose Time (and Money)

After a loss, many people ask themselves the same question:

“Is it really worth claiming… or am I just wasting my time?”

It’s a fair doubt. When an insurance company rejects a claim or offers compensation far below the real damage, policyholders often feel exhausted, confused, and resigned to the idea that “nothing else can be done.”

The reality is different: many claims do have real potential, while others fail not because of lack of coverage, but because of how they are presented.

In this article, we explain how to know if it makes sense to claim against your insurance, what signs indicate real room for action, and when it’s better to rethink the strategy before accepting a final rejection.

The most common mistake: confusing a “no” with “you can’t claim”

An insurer may say:

• the loss is not covered
• the compensation is correct
• the case is closed

That does not automatically mean the claim has no merit.

In many cases, the issue is not coverage, but:

• a restrictive interpretation of the policy
• an incomplete loss assessment
• poor documentation
• or a badly structured claim from the start

Clear signs that it IS worth claiming

1. The damage is real, but compensation doesn’t cover it

If the amount offered:

• does not allow proper repair
• does not cover real costs
• excludes items without technical explanation

➡️ There is room to challenge the valuation.

2. The loss assessment was superficial or incomplete

Warning signs include:

• very short inspections
• damages missing from the report
• lack of technical detail
• generic criteria applied to complex losses

➡️ In these cases, a technical review often changes the outcome.

3. More than one policy is involved

When the claim involves:

• building insurance + private policy
• owner + tenant policies
• private insurer + Insurance Compensation Consortium

It’s common that:

• each party reviews only “their policy”
• no one coordinates the loss as a whole
• avoidable underinsurance is applied

➡️ A properly structured claim makes a huge difference here.

4. The rejection is based on generic explanations

Phrases like:

• “not covered under the policy”
• “no compensation applies”
• “claim rejected”

Without clear technical reasoning are not final answers.
They often hide incomplete assessments or debatable interpretations.

When a claim usually does NOT make sense

Being honest is also part of providing value.

Claims usually have little chance when:

• the damage is clearly pre-existing
• there is no valid policy in force
• the event is expressly excluded
• there is no demonstrable real damage

In these cases, insisting only causes frustration.

The key point: it’s not about claiming more, but claiming better

Claiming is not about:

• calling more often
• sending more emails
• arguing figures without technical basis

A claim with real potential is based on:

• full policy analysis (general and specific terms)
• proper technical documentation
• a solid strategic approach

That’s where success or failure is decided.

How we assess claims at MataSeguros

When we review a case, we focus on three pillars:

1. Contractual basis
   What the policy really says beyond the commercial summary.

2. Technical basis Whether the damage has been correctly assessed and documented.

3. Strategic basis Whether the claim approach is defensible against the insurer.

If there’s no real potential, we say so.
If there is, we structure the claim properly.

Conclusion

Not all claims are worth pursuing.
But many that are worth it fail because of how they are handled.

Before accepting a rejection or a reduced payment, it’s worth knowing whether:

• the issue is coverage
• or the way the claim was made

That difference can mean thousands of euros.

Want to know if your claim really has potential?

We review your policy, the loss assessment, and the claim strategy to give you a clear, technical answer.

👉 Request a technical review of your case

We only charge if you get paid.