Denied Claims
A denial is not always the final word. We read the letter and your policy to see whether the reasons hold up.
What We Look For
Most denials rest on a few reasons. We check each one.
Denial reason
The reason stated in the letter and the policy language it cites.
Exclusions
Exclusions that may not apply to your loss.
Deadlines and notices
Missed deadlines, notices, or missing documents.
Missed damage
Damage the insurer inspection did not find.
Cause of loss
Whether the cause of the damage was correctly identified.
Claim file
The adjuster notes and the insurer reports.
Communications
Calls, emails, and letters with the insurer.
Next steps
Reconsideration, appraisal, or whether to involve an attorney, depending on your policy.
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Read the denial letter. Note the reasons given and the policy language it cites.
Request your policy and claim file. You are entitled to see what the decision was based on.
Note the deadline. Letters often state a deadline to respond or appeal.
Gather your documents. Collect photos, estimates, receipts, and correspondence.
Respond in writing. Keep a record of everything you send and receive.
Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.
How We Review It
Policy Review
We compare the denial to your coverage, exclusions, and conditions.
Estimate Review
We re-measure and re-price items that were missed or undervalued.
Insurer Communication
We handle the back-and-forth and push for a fair resolution.
Denied Claim Questions
Can I Dispute A Denial?
Yes. You can ask the insurer to reconsider and submit supporting documents. Your policy sets the process.
Why Do Claims Get Denied?
Common reasons include exclusions, late notice, or a dispute over the cause of loss. We review the reasons stated in your letter.
Do I Need A Lawyer?
Not always. If your claim needs legal action, we will tell you. We are not attorneys and do not give legal advice.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Denied Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Claims We Handle
Underpaid Claims
Lowball offers, missed line items, and estimates that fall short of real repair costs.
Learn More about Underpaid Claims
Residential
Full-loss claims for houses, condos, and rental dwellings, from first photo to final payment.
Learn More about Residential
Commercial
Property and business interruption losses for owners and landlords.
Learn More about Commercial