Having an insurance claim denied can be devastating, but policyholders have more rights than they realize. Nearly 30% of denied claims are overturned on appeal, according to industry data.

Step 1: Understand Why It Was Denied

Request a written explanation from your insurer. Common denial reasons include policy exclusions, missed deadlines, insufficient documentation, or disputes over coverage amounts.

Step 2: Review Your Policy Carefully

Many denials are based on misinterpretation of policy language. An independent insurance adjuster can help identify if the denial was improper.

Step 3: File a Formal Appeal

Every insurer must have an internal appeals process. Submit additional documentation, photos, repair estimates, and any evidence supporting your claim.

Step 4: Contact Your State Insurance Department

If the internal appeal fails, file a complaint with your state department of insurance. Regulators investigate and can compel insurers to pay valid claims.

Step 5: Consider Legal Action