The Trial-Tested Representation Your Case Requires
What next after an insurer rejects your claim?
February 23, 2023
If your home or business is insured, you expect a soft landing when disaster strikes. After all, it is why you took the cover. Therefore, you may find yourself dealing with unimaginable losses and frustrations when your insurance claim is denied, yet you have been adherently paying your premiums.
Fortunately, it isnot the end of the road. You can overturn the decision to deny your claim, depending on the reasons for the denial. Here is what you need to do.
Understand the reason why your claim was denied
The first thing you need to do is understand why your claim was not approved. Usually, the insurer will explain this in the denial letter. Some common reasons for denying a claim include fraud, a risk that was not covered or late reporting. An insurer may also reject a claim in bad faith.
Reach out to the insurer
If you believe there has been a mistake with your claim, you can contact your insurer to discuss the matter further. You may be able to provide additional information that was not initially included in the claim or provide more detail on the circumstances surrounding the claim. Remember to keep detailed records of your conversations and correspondence with your insurer.
It is also worth going through the insurer’s appeal procedures if you believe the decision to deny your claim is unfair. Most companies have internal appeal procedures to appeal a denied claim.
Explore your legal options
If the matter remains unresolved with the insurer, it may be time to take further steps and get justice. For instance, you may bring your case to court for legal redress. However, it is best to seek legal guidance if things get here to assess your case and help you take appropriate action.