What to Do When Your Insurance Claim Is Denied
Denials are opening positions. Appeals succeed far more often than people expect.
Table of contents
Get the denial in writing
Get the denial in writing. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Start by writing down what happened in plain chronological order, with dates and dollar amounts. That timeline becomes the factual spine of your demand letter and, if it comes to it, your small claims exhibit list.
Internal appeal deadlines
Internal appeal deadlines. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Put every step in writing, keep dated copies, and send anything important by certified mail. Companies respond to documented, deadline-bearing requests very differently than to phone calls that leave no record.
Generate Your Demand Letter
Free to preview, $2 to download as PDF or DOCX — statute-cited and ready to send.
Start freeExternal independent review
External independent review. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Put every step in writing, keep dated copies, and send anything important by certified mail. Companies respond to documented, deadline-bearing requests very differently than to phone calls that leave no record.
Filing with your state regulator
Filing with your state regulator. This is where most people either build leverage or lose it, and the difference is almost always documentation rather than legal knowledge.
Put every step in writing, keep dated copies, and send anything important by certified mail. Companies respond to documented, deadline-bearing requests very differently than to phone calls that leave no record.