When Insurance Doesn't Pay: The Common Exclusions Most People Miss
Insurance covers "accidents," not "maintenance" or "neglect."
Many BC homeowners are shocked when a claim is denied, often saying, "But I have a Comprehensive policy!" Every policy has Exclusions. In 2025, insurance companies have tightened their risk controls. If your loss falls into one of these "danger zones," you might be left paying for everything out of pocket.
Continuous or Repeated Seepage
This is the #1 reason for denials. Insurance is for "sudden and accidental" events. If your shower tile grout has been leaking for a year and finally rots the floor, it’s considered a maintenance issue, not an accident. Insurers expect you to maintain your home’s roof, caulking, and pipes. If it’s slow and steady, it’s usually not covered.
The "4-Day" Vacancy Rule
If you go on vacation for more than 4 days (some policies say 7) during the heating season, you must have a competent person check your home daily OR shut off the water and drain the pipes. If a pipe freezes and bursts while you are away and you didn't follow these steps, the insurer will likely deny the claim entirely.
Unreported Business or Short-Term Rentals
If you are running an Airbnb or a home business (like a hair salon or daycare) without a specific endorsement on your policy, you are in the "Danger Zone." Business activity changes the risk level of the property. In 2025, with data-sharing between the BC government and platforms, insurers can easily find out if you’ve been hosting guests illegally.
Pests, Rodents, and Pets
Did a raccoon chew through your attic insulation? Did a rat gnaw through your wires? Most BC policies explicitly exclude damage caused by rodents, insects, or vermin. Similarly, your insurance won't pay for your dog "decorating" your expensive rugs or chewing up your baseboards.
Summary: Maintain your home, report when you’re away, and be honest about how you use the property.