Why Claims Get Declined
Missing documents, expired certificates, or an address mismatch between the AST and compliance certs are the top reasons. Insurers need a complete, validated record before they pay.
Updated 20 January 2026
Rent protection is not automatic when a tenant stops paying. Insurers and legal teams review the same document pack every time — and gaps that seemed minor during tenancy become claim-stoppers under pressure.
The usual failures
No signed AST, incomplete rent log, expired EICR, deposit not protected within 30 days, or certificates issued to a different landlord name. Any one of these can delay or decline a claim while you scramble to fix records mid-case.
How to avoid it
Upload documents when the tenancy starts, validate addresses match, and set expiry reminders. TLA Vault scores compliance continuously so you fix issues before arrears, not during them.