What to Do If Your Home Insurance Claim Is Denied

If your claim is denied, you have options: (1) Request a written explanation of the denial. (2) Review your policy to understand the exclusion cited.

(3) Gather additional evidence (contractor reports, photos, expert opinions). (4) File a formal appeal with your insurer.

(5) File a complaint with your state insurance department. (6) Hire a public adjuster to re-document the damage. (7) Consult an insurance attorney — many work on contingency for bad faith claims. Insurers have a duty of good faith — unreasonable denials can result in extra-contractual damages..