# Your claim has been rejected — what now?

> A rejection is not the end of the road. Here is how to establish the reason and decide on your next steps.

*Gepubliceerd: 2026-06-08* · *Categorie: uitleg*

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A rejected claim feels like a closed door. Yet a rejection is often the beginning of a conversation, not the end of one.

## Common reasons for rejection

- The damage is said not to fall within the **cover**, or to fall under an **exclusion**.
- Discussion about the **cause** (for example groundwater or overdue maintenance).
- A **suspicion of fraud**, or the reproach that information was missing.
- The claim is said to be **time-barred** or to have been reported too late.

## Step by step

1. **Request the rejection in writing, with reasons.** You are entitled to a clear explanation, with reference to the policy conditions.
2. **Set the reason against your policy.** Is the interpretation of the conditions correct? Exclusions are sometimes applied more broadly than is justified.
3. **Gather counter-evidence.** Photographs, reports, witnesses and an independent assessment can turn the picture around.
4. **Lodge an internal complaint** and ask for the decision to be reconsidered.
5. **Weigh up the next steps carefully.** A *binding* Kifid decision can, after an unfavourable outcome, block the route to the courts. So first take advice on whether Kifid or going straight to court is the wiser route in your case.

## If fraud is suspected

A suspicion is not yet proof. The insurer bears the burden of proof if it refuses a claim in full on the basis of suspected fraud — a mere suspicion is not enough. Do not allow yourself to be brushed aside; a well-substantiated file and an independent assessment are then all the more important.

> **Tip** — Always respond to a rejection in writing and within the deadline. An independent counter-expert can assess whether the rejection is justified and which route offers the best prospects. Krantz & Polak can also assist you legally in this and — in cooperation with renowned law firms — facilitate taking the matter to court.