Insurance Claim Denials

Often, yes. Many denials are based on incomplete investigations or misapplied policy language, and a formal appeal or litigation can result in a reversed decision or settlement.

Deadlines vary by policy and claim type, so it's important to speak with an attorney as soon as you receive a denial letter rather than waiting.

The full denial letter, your policy documents, any correspondence with the adjuster, and your own documentation of the loss all strengthen an appeal or negotiation.

Yes. An unsuccessful internal appeal doesn't close the door, litigation remains an option when the insurer's basis for denial doesn't hold up against your policy language and the facts.

No, not every denial rises to bad faith, some reflect a legitimate coverage dispute. We evaluate whether your specific denial was reasonable or whether it supports a separate bad faith claim.

All insurance companies are set up differently. Generally, you will file your initial claim either online or on the phone. It may be a good idea to talk to someone on the phone if the situation is complex. You will be able to talk to a live person. Write down their names, and write down exactly what they said just in case you rely on their bad advice to your detriment. After the company processes your initial claim, they will send you a letter, either denying or approving your claim. If you receive an insurance denial, there are certain things to do to be in the best situation for an appeal. First, keep documents of everything. The more emails, mailings, or forms you keep on file, the better. If you have everything organized, it will be easier to appeal to navigate through the insurance process. Keep a log of when you called your insurance company. A phone call to an insurance company representative may be all it takes to fix the situation. As annoying as it may seem, it may only be a small error which caused the insurance denial. If you cannot check your paperwork online, call the representative to verify that all your basic demographic information is correct. Do not agree to anything that you are unsure or uncomfortable with. If your insurance is fighting you, they may send an insurance adjuster or representative to talk to you. Their job is to reach a settlement. Do not settle for an amount that will not cover all your expenses or damages, especially if your policy states otherwise. Call your legal counsel before agreeing to an amount lower than what you need.

Most insurance companies have their own internal appeal process. You have the option to go directly through that process with or without legal representation. Be cautious of the process, as insurances are businesses. It may be a simple matter. A quick telephone call may resolve the issue. On the other hand, your circumstance may complicate the denial. If your house catches fire during a bout of extreme weather, the cost of repairs may be high. In that situation, you will be understandably tired and frustrated after an emotionally exhausting ordeal. The worst thing would be a denial of your claim or be receiving a payout far less than what you need to cover everything. If you find yourself in this situation, do not hesitate to seek out advice. The experienced attorneys at Freundlich & Littman, LLC will listen to your frustrations. We fight to make sure that your insurance company pays you all the money that promised under your policy. Contact us today to schedule a free consultation.