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How do I appeal a home insurance claim denial?

My home insurance claim was just denied! I need that money. How can I appeal this claim denial?

avatar
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry your claim was denied—insurance companies can be tricky to work with! Here are some tips to appealing your denied claim.
You should brush up on your
homeowners insurance
 policy before you do anything else—make sure you’re aware of what you’re covered for and owed. Then carefully check your claim and denial to see if there are any discrepancies or mistakes on your part.
If you’re still feeling stiffed, you can write a letter to your claims adjuster to appeal your denial. Clearly state your opinion and the evidence as to why you’re owed money. Any photos or documentation you have will help your case. Remember to remain polite—claims adjusters are people too!
If this doesn’t work, then file a complaint with your state’s insurance department. It may also be time to get a lawyer if you feel it’s worth the expense.
Tired of fighting with your insurance provider? Use insurance broker
Jerry
 to find a better policy. Jerry gives its users a huge list of insurance quotes to choose from, making it easy to find great coverage at a low price. Try Jerry today—sign-up is free.
MORE: The 5 main reasons a car accident insurance claim is denied
Home Insurance
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