Pennsylvania Property Owners Face Insurance Claim Denials
Your Pennsylvania property suffered fire damage, water damage, winter storm damage, or other losses. You filed a claim expecting coverage. Your insurer denied the claim or offered 40% of actual losses.
Insurance companies target Pennsylvania claims aggressively. They undervalue repairs using statewide averages that ignore Philadelphia and Pittsburgh's high costs. They claim damage in older properties resulted from deferred maintenance. They dispute shared wall damage in Philadelphia row homes.
The Pennsylvania Insurance Department receives thousands of complaints annually about denied and underpaid claims. Property owners without professional representation lose millions in unpaid benefits.
Why Pennsylvania Claims Get Denied
Pennsylvania has diverse property types from Philadelphia row homes to Pittsburgh industrial buildings to rural farmhouses. Each faces unique insurance challenges insurers exploit.
Older housing stock throughout Pennsylvania contains aging systems. Properties built 75-150 years ago have outdated electrical, plumbing, and structural systems that fail regularly. Insurers claim age means damage was inevitable, not sudden and accidental.
Regional cost variations within Pennsylvania allow insurers to use average pricing that undervalues urban market repairs. Philadelphia and Pittsburgh construction costs substantially exceed rural Pennsylvania rates, but insurers apply statewide averages to minimize payouts.