Yes, claims are often denied for specific reasons. Common causes include lack of coverage for the peril (e.g., flood damage without flood insurance), failure to pay premiums, misrepresentation on the application, or damage deemed to be from wear and tear or lack of maintenance. Policies also exclude intentional damage. Denials typically come with an explanation citing the specific policy language that supports the decision.

Yes, you should act promptly to request corrections. Contact the officer who filed the report or their department’s records division. Provide any evidence you have, like photos or witness statements, that contradicts the error. While the officer may amend a supplemental report, they are not required to change their original assessment. Your own documentation becomes critical to counter any inaccuracies in the official record.

The most common claim is for a slip-and-fall accident. Businesses have a duty to keep their premises reasonably safe for visitors. This means promptly cleaning spills, marking wet floors, fixing broken flooring, and removing tripping hazards like loose cords or clutter. If a customer is injured because the business failed to address a known danger, the business can be held liable for medical bills, lost wages, and pain and suffering. Regular safety inspections and immediate hazard correction are the best defenses.