Denied Claims
Your claim was denied. That is not the end of it.
A denial letter is your insurance company’s position — not a judge’s ruling and not the last word on what you are owed. Denials get reversed. We review denied property claims at no cost, and we get paid only if you do.
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Denials we see every week
“Wear and tear, not storm damage”
The most common denial on the Gulf Coast. Your insurer’s engineer attributes hurricane or wind damage to age. A second opinion from an independent expert often reads the same roof very differently.
“Pre-existing damage”
The carrier says the damage was there before the policy or before the storm. Dated photographs, prior inspection reports, and repair records frequently prove otherwise.
“Excluded under your policy”
Exclusions are narrower than denial letters make them sound, and many have exceptions written into the same paragraph. The exclusion cited is not always the exclusion that actually applies.
“Late notice” or missed paperwork
A procedural denial — a form, a deadline, a recorded statement. Procedural denials are often the easiest to overcome, because they say nothing about whether your loss was covered.
What a denial letter actually is
When an adjuster denies your claim, they are stating the insurance company’s interpretation of your policy applied to the facts the company gathered — usually from a single inspection, often brief, sometimes conducted by a vendor the carrier chose and pays. That interpretation is not binding on you.
The denial letter is also the most useful document in your file. It has to name the policy provisions the carrier is relying on. Once we know which provisions were cited, we know exactly what has to be answered, and whether the facts the carrier used to reach the denial were complete.
What we do with a denied claim
First we read the policy — the whole policy, including endorsements, because an endorsement can quietly change the coverage the denial relies on. Then we compare the denial’s stated basis against the damage that actually exists, using our own inspection and, where the loss warrants it, an independent engineer, roofer, or estimator.
Most denials we handle come down to a factual disagreement rather than a legal one: the carrier says the damage is one thing, and the evidence says it is another. Building that evidence properly is the work. When the carrier will not move on a claim the evidence supports, we file suit.
What it costs you
Nothing to have your denial reviewed, and nothing out of pocket to be represented. We work on contingency — our fee comes out of what we recover, so we are paid when you are paid, and not before. Our interests and yours point the same direction from the first phone call.
Common questions
Can a denied insurance claim be reopened?
Yes. A denial does not close your file permanently. Claims are regularly reopened and re-evaluated when new evidence is presented — a new inspection, an independent engineering report, photographs the carrier never saw, or documentation that answers the specific reason given in the denial letter.
How long do I have to challenge a denial?
Deadlines apply, they differ between Louisiana and Florida, and both states have changed them in recent years. Do not assume yours has passed — and do not assume you have plenty of time. Call us and we will tell you where you stand at no cost.
Should I hire a public adjuster or an attorney?
A public adjuster can estimate and negotiate your loss. Only an attorney can file suit, take sworn testimony, or pursue a bad-faith claim if your insurer handled yours improperly. If your claim has already been denied, negotiation alone has usually run its course.
Will my insurer drop me for challenging a denial?
Policyholders ask this constantly, and the fear keeps people from pursuing money they are owed. Non-renewal decisions are regulated, and the details are worth a conversation about your specific policy and carrier before you decide to walk away from a valid claim.
These answers are general information about property insurance claims, not legal advice about your claim. Every policy and every loss is different — talk to us about yours.
Send us your denial letter
The review is free and we work on contingency — we get paid when you get paid. Talk to us before you accept that offer!