In the event a filed claim is not covered, work with your insurance broker to make sure that all of the facts and circumstances surrounding the claim have been properly communicated to NIA.
Lack of coverage is sometimes applicable to incidents such as:
- When the date of loss falls outside of the policy period
- When coverage is specifically excluded in the policy
- If there is no damage element to the claim
Check with your broker to see if there may be other applicable policies you have to make the claim against.