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there are five main reasons why property insurance companies deny property insurance claims were going to run through all five today and if youve had your property insurance claim denied in the past at least one of these will sound familiar to you the number one and first in no particular order reason why property insurance companies deny claims is that theyll claim there is no coverage under your policy for that loss now may there may not be covered under the policy I dont know you have to look at your policy and see even though the insurance company may say its not covering the policy may or may not be accurate so its very important to have someone who knows what theyre doing an insurance claim professional look at your insurance policy to see hey is there action coverage for this loss or should I just trust what the insurance company tells me number two the second reason why they deny claims is they say that your damage is the result of wear and tear okay wear and tear means