Insurance Claim Denied? Here’s the Best Way to Appeal

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Call us at 1 (774) 239-0652 if you’ve lost your home or business to a disaster and want the maximum settlement and a faster claim resolution. We are a team of damage appraisers, adjusters, and legal professionals who are registered, experienced and trustworthy.

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Why Was My Insurance Claim Denied?

If your claim is denied, you will receive a letter from the insurance company explaining their reasoning. Within this letter, you’ll find out exactly why you got rejected. You will most likely need to ask your insurance company for documents to help explain the full policy cover language.

Reach Out to Your Insurer

Nobody enjoys waiting on hold on the phone while trying to reach the insurance company, but it is necessary. Record notes from your conversations, and remember to take the name of each person you’re speaking to. If the company calls you, write down important parts of the conversation and try to respond in writing. Remember that the person you’re speaking to is probably not the one who denied your claim, so try to keep calm and remain polite!

Appeal the Denial

Start preparing your appeal with careful attention to detail. You should have received instructions on how to appeal, so follow these guidelines with care. Make sure your public adjuster reviews your appeal to ensure you’ve included all necessary elements.

The Necessity of a Public Adjuster

Hiring a public adjuster is an option that we highly recommend, especially to help enforce your argument against an unfair denial. Along with hiring a public adjuster, you may be offered a policy evaluation; be sure to take it. Advocating for yourself can be difficult, especially after facing a denial. It’s best to trust this to a public adjuster, so emotions do not get in the way.

Your appeal is more likely to be approved when working with a public adjuster, as they know exactly how the system works. The decision to hire one is ultimately up to you, but the sooner you do it, the less stress you will have to deal with.