How do I fight a home insurance claim?

We had some severe weather pass through our county, but I was just informed my claim was denied because the damage isn’t severe enough. Is there any way I can fight this insurance claim denial myself?

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No spam · No long forms · No fees
Find savings (100% Free)
rating white
3.5k Ratings
Answer provided by
Melanie Mergen
Answered on May 11, 2022
While coverage does vary depending on location and policies, most standard home insurance policies will cover hail damage. To dispute your claim, you can get a second opinion and talk to your insurance company.
Getting the opinion of a trusted contractor or two can help support your claim. Hopefully, you’ve also taken pictures of the hail damage. Present this new information to your insurance company and try again.
You know what your policy says and what it covers. If you’d like more clarification, ask your insurer to point out the specific places in your policy that have led them to come to their decision. Better yet, ask that they send you this in writing.
If they come back with a settlement that’s lower than expected and you’re still not happy, don’t be afraid to try and negotiate. Wishing you the best of luck as you work to get this sorted.
If you’re looking for an insurance company that will better support you, Jerry can help you find a better match. All you need to do is answer a few simple questions, and Jerry will gather quotes from top home insurance companies for you. From there, you can compare rates and policies, then pick the one that’s best for you.

Here to save on car and home insurance? Great, you do that. We’ll do everything else.

Sign up in under a minute.
No need to fill out forms or shop around. Sign up in 45 seconds to start saving. Jerry does the rest.
Jerry collects and analyzes your current coverage.
Say hello to Jerry, your new insurance agent. We’ll contact your insurance company, review your current plan, then find the coverage that fits your needs and saves you money.
Get the best options before your renewal.
Jerry does all the picky, busy work by comparing prices and coverage from more than 50+ insurance companies. We compare what we find to your current policy and offer you the three best options before every renewal.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free