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Funny Insurance Claims Horror Stories

Written by admin on January 27, 2016 at 12:00 PM.

Stories about homeowners battling with their insurance companies hits the news every day. A recent article by the Huffington Post tells us that the Insurance Information Institute reports one in fifteen homes have insurance claims every year.

From kitchen fires to leaking dishwashers, broken toilets to natural disasters, it seems inevitable that we will all have to deal with our insurance company at some point in time to file a claim.

Sometimes, the funny insurance claims stories we hear are reports of denied claims for bizarre reasons. Other times the situation can be more controversial, tales of fraud or deceit, for instance.

Regardless of the circumstances, it’s true that people are often denied coverage when filing a homeowners insurance claim – fairly or not – and must struggle to pay repair and replacement costs on their own.

If you are dealing with filing a homeowners insurance claim, here are 11 funny insurance claims stories that you may be able to learn from.

1. Insurance claim denied because no one was home. 


2. A woman’s stolen money is recovered. 


3. A woman’s insurance claim denied because she owns a pit bull. 


4. Homeowner deals with rude insurance company. 


5. A homeowner almost loses $400,000. 


6. Unattended children cause massive damage. 


7. Does your insurance company cover steam damage? 


8. A homeowners is reimbursed for spoiled wine. 

funny and horrific insurance claims stories

9. Another vacant home horror story. 

funny insurance claims stories

10. A woman’s diamond ring flies off. 

funny insurance claims stories

11. An impatient homeowner is left with nothing. 


If you need to file an insurance claim for damage to your home or business, such as Fire Damage Insurance Claims, in Miami, Stellar Public Adjusting Services can help! Call us today at (305) 570-3519.

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Vanessa R.

Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.


HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Philip O.

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.

Philip O.

Nicholas P., Miami Beach, FL

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Yossi K., Brooklyn, NY

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Marc C., Miami, FL

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

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