Nearly 1 in 5 insurance claims are denied on first submission. If your claim has been rejected, these five legal strategies can help you successfully appeal and get the coverage you're paying for.
Step-by-Step Appeal Process
- Step 1: Request a written explanation of the denial with specific policy citations
- Step 2: Review your policy language carefully — denials are often based on misinterpretation
- Step 3: Gather supporting documentation including photos, repair estimates, and medical records
- Step 4: File a formal internal appeal within the carrier's deadline (usually 60 days)
- Step 5: Contact your state insurance commissioner if the internal appeal fails
When to Hire a Lawyer
For claims over $10,000, hiring a public adjuster or insurance attorney typically results in settlements 40-70% higher than what policyholders receive negotiating alone. Most work on contingency.
