Homeowners Insurance Denials: The #1 Reason Claims Get Rejected — And How Romine Group Helps

When something goes wrong in your home, you expect your homeowners insurance to step in. But across Fresno, Tulare, Kings, and Madera Counties, more and more homeowners are being blindsided by denied claims — even when the damage is real.

Understanding why claims get denied is the first step. Knowing what your options are after the denial is the second.

The #1 Reason Insurance Companies Deny Claims: “Pre-Existing Damage / Lack of Maintenance”

This is the most common denial in California right now.

Insurance companies frequently use this phrase to avoid paying for damage they consider:

• Wear and tear

• Deferred maintenance

• Gradual deterioration

• Long-term issues

• Aging systems

• Older roofs, plumbing, or wiring

Even when the problem feels sudden — like a pipe bursting or a ceiling leaking during heavy rain — insurers often argue that the underlying issue existed before the event.

Calling it “maintenance” allows them to legally avoid the payout.

Real Examples Homeowners Face

• A kitchen pipe bursts → insurer blames “corroded plumbing”

• A roof leaks during a storm → insurer cites “old shingles”

• A fire starts in an outlet → insurer blames “outdated wiring”

• Water intrudes from a window → insurer says “improper sealing”

• Tenant damages a rental → insurer labels it “normal wear and tear”

For many owners, the denial feels unfair and impossible to fight.

What This Means for Homeowners

A denied claim can lead to bigger issues:

• Rising repair costs

• Unsafe living conditions

• Mold concerns

• Code enforcement pressure

• Stress and financial strain

• Difficulty renewing insurance

The longer the damage sits, the worse it gets — and the harder it becomes to fix.

How Romine Group Helps When Insurance Won’t

For 15+ years, Romine Group has helped homeowners across Central California who are stuck after a claim gets denied.

We specialize in helping owners with homes that are:

• Fire-damaged

• Water-damaged

• Unsafe or unlivable

• Denied by insurance

• Uninsurable

• Behind on repairs

• Affected by tenant or squatter damage

What We Offer Homeowners

• We buy as-is — damaged or not

• No repairs, cleaning, or inspections required

• Fast, private cash offers

• We handle difficult situations with tenants or code enforcement

• We close on your timeline

• We make the process stress-free

Many owners call us not because they want to sell — but because the insurance denial leaves them no realistic way to fix the property.

We provide a solution when the insurance company provides none.

What Homeowners Can Do Right Now

If your claim was denied:

1. Ask for the reason in writing

This helps you understand the insurer’s argument.

2. Gather photos and repair documents

Any documentation helps your case.

3. Get a licensed contractor’s opinion

They may disagree with the adjuster’s assessment.

4. Explore your long-term options

If repairs are too expensive or the home becomes uninsurable, selling may protect your finances.

5. Call Romine Group if you need a fast solution

We help owners move forward — even when insurance says no.

You’re Not Stuck — You Just Need the Right Help

Insurance denials are becoming more common in California, but homeowners still have options. Whether you want to fight the denial or explore selling the property as-is,

Romine Group is here to guide you, step by step.

📞 559-254-8223🌐 www.rominegroupre.com