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#  I've Just Purchased Tenant Insurance — Can I Make a Claim for Something That Happened in the Past?

Tenant insurance coverage **only applies to incidents that occur after the policy has been purchased** and activated.

❌ **You cannot make a claim for losses or damages that occurred before your coverage began.**

⚠️ **Same-Day Claims Notice:**  
Any claims made on the **same day your coverage starts** will be subject to **additional review and scrutiny** to ensure the incident occurred after the coverage was active.

📅 To avoid issues, we recommend confirming the policy start date before submitting a claim.