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What Can You Do If Your Insurance Claim is Denied?

Chris Delahoz

Receiving a denial for an insurance claim can be frustrating and disheartening. As a homeowner, business owner, or boat owner, such a denial can leave you feeling stranded and unsure of what to do next. But it's essential to understand that a denial is not the end of the road. You have options available to navigate this situation and possibly overturn the decision. This blog post outlines what you can do if your insurance claim is denied.


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Step 1: Understand the Reason for Denial


The first thing to do when your claim is denied is to understand why. Your insurance company will provide a detailed explanation of the reasons for denial in their notification. This could range from policy exclusions, late filing, and insufficient documentation, to suspicion of fraudulent claims. Understanding the reason for denial is crucial in deciding your next course of action.


Step 2: Review Your Insurance Policy


Once you understand why your claim was denied, review your insurance policy carefully. Cross-reference the denial reasons with your policy details to ensure there are no discrepancies. Misinterpretation or errors can occur, and it's your right to verify the insurer's decision based on your policy.


Step 3: Gather Additional Documentation


If your claim was denied due to insufficient documentation, it's time to gather more evidence. This could be more detailed photos or videos of the damage, invoices, receipts related to the loss, or any other document that can bolster your claim. The more detailed and comprehensive your documentation, the stronger your case.


Step 4: Write a Reconsideration Letter


A reconsideration letter is your opportunity to challenge the denial. The letter should contain a clear explanation of why you believe the denial is incorrect, referencing specific parts of your policy. Include any additional documentation you've gathered to support your argument. Ensure the letter is professional, concise, and respectful.


Step 5: Consult with a Public Adjuster


If the process feels overwhelming or if you're unsure of how to craft your appeal, it can be beneficial to hire a public adjuster from Harrell Adjusting Services. Our public adjusters are insurance professionals who can work on your behalf to negotiate with the insurance company. We are well-versed in insurance jargon, policy details, and the appeal process.


As public adjusters, we can help:

  • Assess the policy to ensure the claim denial is valid

  • Gather additional evidence if required

  • Prepare a well-structured reconsideration letter

  • Negotiate with the insurance company to get you a fair resolution


Step 6: File a Formal Appeal


Once your reconsideration letter and any additional documentation are ready, it's time to file a formal appeal. The process for filing an appeal varies among insurance companies, so you should contact your insurer or check their website for specific steps.


Step 7: Consider Legal Action


If your appeal is unsuccessful and you believe the denial was unjust, you might consider taking legal action. Consult with an attorney specializing in insurance claims to discuss your options.


Appeal to Your Insurance Company with Harrell Adjusting Services


Remember, an initial denial of your insurance claim is not the final say. Understanding why your claim was denied, thoroughly reviewing your policy, gathering all necessary documentation, and potentially seeking professional help are all steps you can take to appeal the decision. At Harrell Adjusting Services, we can provide the expertise you need to navigate this complex process and help ensure you receive the compensation you're entitled to. With persistence and the right support, you can increase the chances of your appeal being successful.


Needing some guidance with your claim?



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