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How do you fight your home insurance company?
My home insurance company denied my claim for damage. I really believe that it should be covered under my home insurance policy. How can I fight my home insurance company?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you feel your claim has been denied unrightfully, here are several ways you can fight your home insurance company:
- Review your policy: Even if you’re 100% sure the damage has coverage under your home insurance policy, review your coverage. Policy terms and conditions can change, so you want to ensure you have a good understanding of your coverage.
- Review the claim denial letter: Insurance companies must provide a letter explaining why a claim was denied. You’ll want to review this to determine your next steps.
- Write a letter of appeal: Your letter should clearly state why your claim should be approved. You’ll want to include any supporting documentation you have, like photos or estimates.
- Hire an appraiser or independent adjuster: You can hire an independent or third-party to review your claim and the damage. They can provide you with a report, which may help change your insurance company’s mind.
- Report your insurance company to your state’s Department of Insurance: If you feel you’re a victim of unfair insurance practices, you can report your company. Every insurance company must operate under each state’s rules and regulations.
- Hire a lawyer: Your last option is to seek legal advice or hire a lawyer. Most lawyers offer free consultations before deciding whether to take on a case.
Once you get your claim taken care of, I’m sure you’ll want to change companies ASAP. If you’re looking for a new insurance company,
Jerry
can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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