Free Case Review
  • This field is for validation purposes and should be left unchanged.

What to do if your homeowner’s insurance claim is denied.

Sometimes denials are simple misunderstandings. Sometimes it’s more complicated.

As a policyholder you have every right to dispute your insurance carrier’s denial of coverage for your homeowner’s insurance claim. Whether you need to provide additional documentation or take more serious action, following these steps may help strengthen your claim.

  • First and foremost, maintain complete and accurate records.

    • Request copies of your insurance policy, including endorsements, riders and declaration pages;
    • Document every conversation you have with your insurance company or their representatives (name, date, details);
    • Keep all correspondence, including letters, emails or text messages between you and the insurance company or their representatives;
    • Save all receipts that you’ve incurred because of the damage.
  • Know what your policy covers and what it doesn’t.

    You should have received an official denial letter from your insurance company stating the specific reason(s) why (in whole or in part) your claim was denied. After reviewing the section of your policy referenced in your denial letter, if you still believe your damage should be covered, write an explanation of the discrepancy, noting the specifics of why you believe the denial was made in error. If the reason for your denial is unclear, don’t hesitate to contact your insurance company for clarification.

    If you plan to ask your insurance company to review your claim again, you may want to consider doing so within the appeals timeline stipulated in your policy.

  • Gather evidence supporting your claim.

    Regardless of why your claim was denied, the insurance company is going to want proof of the damage. If you haven’t already, provide the date, time and circumstances of the damage, including before and after pictures of your property, and pictures of the event, if available.

  • Demonstrate that you mitigated further loss.

    If your claim was denied because the insurance company believes your damage occurred after the event, you may need to identify the steps you took to protect your property from further damage. Be sure to include photos (tarps on roofs, curbside debris, etc.) and any receipts you have for labor or materials. If there were extenuating reasons why you were unable to mitigate further loss (for example, you were under a mandatory evacuation) note that as well, including any official notifications you received.

  • Demonstrate that you are a responsible homeowner.

    If your claim was denied because of wear-and-tear or negligence, demonstrate what you have done to maintain your property. This can include pictures of your property prior to the damage, receipts for maintenance of items prior to damage, records of service visits, etc.

  • Get independent estimates.

    If you disagree with the insurance company adjuster’s assessment of your damage or if your claim was denied for lack of documentation, consider getting additional estimates from two or three reputable contractors. Request that they take pictures of the damage listed on their estimate so that you can include it in your appeal.

  • Consider an independent appraisal.

    If you disagree with your insurance company’s valuation of your property, request an independent appraisal (many policies have a provision that allows this). Keep in mind that an appraisal will only determine what agreed damage exists and how much it will cost to repair or replace that damage. It will not resolve disputes over your policy coverage or other issues related to the denial of your claim.

  • Talk to an attorney to understand your options.

    Free, no-obligation legal consultation: 877-803-2897

    You have the right to a fair resolution. If your homeowner’s insurance claim has been wrongfully denied, the insurance attorneys at McDonald Law Firm can identify legal options you may have to get a fair payout for your damage. If you decide to hire us to help resolve your claim, we’ll handle your case on contingency, which means we only earn our fee if we successfully resolve your claim.

Was your claim wrongfully denied?

Call us at 877-803-2897 to discuss your legal options.

It costs you nothing to feel out the strength of your case and you’ll have a better understanding of potential options for resolving your claim.

Common reasons for homeowner’s insurance claim denials:

Age of property
Claim exceeds allotted coverage
Claim filed too late
Condition of property
Damage caused by non-covered event
Damage caused by normal wear-and-tear
Damage caused by past event
Damage falls under an exclusion
Failure to mitigate further loss
Insufficient coverage
Insufficient documentation of damage
Late payment of premium
Location of property
Loss happened outside of coverage period
No evidence of damage from peril
Non-covered peril
Non-payment of premium

McDonald Law Firm Ratings - McDonaldLawFirm.com

“very happy right now”

I just wanted to express my gratitude for all your efforts. I was getting nowhere fast trying to accomplish this on my own . . . In the end, I got more than I expected going in so I am very happy right now.
—Jerry

Real people. Proven results.

Was your claim wrongfully denied?

Call us at 877-803-2897 to discuss your legal options.

It costs you nothing to feel out the strength of your case and you’ll have a better understanding of potential options for resolving your claim.

Common reasons for homeowner’s insurance claim denials:

Age of property
Claim exceeds allotted coverage
Claim filed too late
Condition of property
Damage caused by non-covered event
Damage caused by normal wear-and-tear
Damage caused by past event
Damage falls under an exclusion
Failure to mitigate further loss
Insufficient coverage
Insufficient documentation of damage
Late payment of premium
Location of property
Loss happened outside of coverage period
No evidence of damage from peril
Non-covered peril
Non-payment of premium

McDonald Law Firm Ratings - McDonaldLawFirm.com

“very happy right now”

I just wanted to express my gratitude for all your efforts. I was getting nowhere fast trying to accomplish this on my own . . . In the end, I got more than I expected going in so I am very happy right now.
—Jerry

Real people. Proven results.

Free Case Review
  • This field is for validation purposes and should be left unchanged.