Why was the insurance claim for the smashed shop window refused?

The claim for the smashed shop window was refused because it was classified as an excluded peril. In insurance contracts, certain risks are explicitly excluded from coverage. This means that even if a loss occurs, the insurer is not liable to pay a claim that arises from those specific risks.

For example, typical exclusions can include damage caused by natural disasters (like floods or earthquakes), wear and tear, or acts of vandalism if they are not covered under the policy's terms. In this case, if the damage to the shop window was due to an event that falls under the exclusions mentioned in the insurance policy, the insurer would have grounds to deny the claim. By understanding the concept of excluded perils, policyholders can better grasp the limitations of their coverage and the conditions under which claims can be made.