How to Handle a Denied Insurance Claim
A denial isn't the final word. Here's how to read the denial letter, why claims get denied, and how a licensed public adjuster can help you get the payout you're owed.
Getting a denial letter from your insurer is stressful. However, it is not the end of the road. Many denied or underpaid claims are reversed when the policy language and evidence are examined correctly.
Why insurance claims get denied
Insurers deny or underpay claims for several common reasons:
- Alleged policy exclusions. The insurer points to a clause that seems to remove coverage.
- Insufficient documentation. The loss wasn't documented well enough to support the claim.
- Disputed cause of loss. The carrier argues that the damage came from something your policy doesn't cover.
- Missed deadlines. A notice or proof-of-loss deadline was missed.
What to do first
- Read the denial letter carefully. It should state the specific policy provisions the insurer is using.
- Request your full claim file. You're entitled to the documents behind the decision.
- Document everything. Photos, receipts, and a written timeline will strengthen your case.
How a public adjuster helps
A licensed public adjuster works for you, not the insurer. They review your policy line by line, prepare a professional evidence package, and negotiate directly with the carrier to challenge a denial or a low offer.
You only pay if we recover more
Clayem works on contingency. If we don't recover more than the insurer's original offer, you owe nothing. Start your claim and a licensed adjuster will review it.