Insurance Claim Refusal in Quebec: Complete Guide

Your insurance company refused to pay your claim? You believe the denial is unfair? You have options to contest the decision.

Common Reasons for Denial

• Exclusion clause — Damage not covered by policy
• Late reporting — Claim filed too late
• Misrepresentation — Information on application was incorrect
• Pre-existing condition — Damage existed before policy
• Policy lapsed — Premium wasn't paid

What to Do

• Get denial in writing — Request detailed explanation
• Review your policy — Understand what's covered
• Appeal internally — Most insurers have appeal process
• Contact AMF — Autorite des marches financiers
• Consult a lawyer — For significant claims