PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How will I appeal a home insurance claim denial?
Our insurance company denied our homeowners insurance claim. The damage is so extensive and we don’t know what to do. How can I appeal my home insurance’s denied claim?
Matt Terzi · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sure you’re incredibly frustrated right now, especially when your home’s damage is extensive. You have the right to appeal a denied claim. To appeal your home insurance claim denial, you’ll want to:
- Figure out what exactly your home insurance covers. You’ll want to check the fine print and ensure you’ve got a strong case. If you don’t havecoverage for the damage, you can’t appeal.
- Get a professional third-party appraisal of the damages and an estimated repair cost.
- Keep detailed notes throughout the process. Keep track of who you speak with and the exact dates and times of calls.
- Ask your insurer to explain why your claim was denied. Keep extensive notes of what they say. Most insurance companies will send a notice explaining why a claim was denied. If you didn’t receive a notice, ask for one.
- Write a letter of appeal. You’ll want to clearly state why you should have coverage under your insurance policy. You can include any information the third-party appraiser gave you, photos, and as much additional information as possible.
- Contact your State’s Department of Insurance. If your claim is wrongfully denied, you can file a complaint against your insurance company.
- Speak with a lawyer. Suing an insurance company is no easy task but may be the only option to receive a settlement for damages.
In the wake of an insurance claim denial and an appeal, you’ll likely want to switch companies once it’s resolved. If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app collects quotes from top insurance companies, like Progressive and Travelers, in seconds. They even help cancel your old policy once you’ve made your pick. 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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
.webp&w=384&q=75)
Read Advice From Car Experts At Jerry
What Others Are Asking
.jpg&w=64&q=75){kind=avatar}
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
