How To Fight Back When Your Home Insurance Claim Is Denied: A Comprehensive Guide

Home insurance is supposed to protect you from unexpected losses and damages to your property.

But what if your insurer rejects your claim or offers you a low settlement?

Denied Insurance
Denied Insurance| Gateway

How to Fight Back When Your Home Insurance Claim Is Denied

You don’t have to accept it.

Here are some steps you can take to dispute a home insurance claim denial or settlement.

READ ALSO: Does Home Insurance Cover Theft? Everything You Need To Know

1.Review your policy and denial letter

The first thing you should do is read your home insurance policy carefully and understand what it covers and what it excludes.

You should also check the limits and deductibles of your coverage.

Sometimes, claims are denied because the damage is not covered by the policy, or because the amount is lower than the deductible.

Your insurer should send you a letter explaining why your claim was denied or how they calculated your settlement.

The letter should cite the specific section of your policy that supports their decision.

If you don’t receive this letter or you need more clarification, contact your insurer and ask for details.

2.Gather evidence and documentation

If you think your claim was wrongly denied or underpaid, you need to gather evidence and documentation to support your case.

For example, you can collect:

1.Photos and videos of the damage before and after repairs

2.Receipts and invoices of repair costs and replacement items

3.Estimates and opinions from independent contractors or experts

4.Records of communication with your insurer and adjuster

5.A detailed inventory of your damaged or lost belongings, including their value and depreciation

You can also hire a public adjuster to help you assess the damage and negotiate with your insurer.

A public adjuster works on your behalf and charges a percentage of your claim amount.

They can help you get a fair and accurate settlement.

3.Appeal to your insurer

Once you have all the evidence and documentation, you can appeal to your insurer and ask them to reconsider your claim.

You can write a letter or email to your insurer, stating the reasons why you disagree with their decision and providing the evidence to back up your arguments.

You can also request a meeting or a phone call with your insurer to discuss your claim.

Be polite and professional, but firm and assertive.

Don’t accept the first offer they make, unless it meets your expectations.

You can negotiate and counteroffer until you reach a satisfactory agreement.

4.File a complaint with your state department of insurance

If you can’t resolve your dispute with your insurer, you can file a complaint with your state department of insurance.

This is a government agency that regulates the insurance industry and protects the rights of consumers.

They can investigate your complaint and mediate between you and your insurer.

To file a complaint, you need to fill out a form and submit it online or by mail, along with copies of your policy, denial letter, evidence, and correspondence with your insurer.

You can find the contact information and complaint procedures of your state department of insurance on their website or by calling them.

5.Consult a lawyer or sue your insurer

As a last resort, you can consult a lawyer or sue your insurer in court.

This is a costly and time-consuming option, so you should only consider it if your claim is large and you have strong evidence to prove your case.

You should also be aware of the statute of limitations, which is the deadline to file a lawsuit against your insurer.

This varies by state and by type of claim, so you should check with your lawyer or your state department of insurance.

A lawyer can advise you on your legal rights and options, and represent you in court or in arbitration.

They can also help you file a bad faith claim, which is a claim that your insurer acted dishonestly or unfairly in handling your claim.

If you win a bad faith claim, you may be entitled to additional damages and penalties.


Having your home insurance claim denied or lowballed can be frustrating and stressful, but you don’t have to give up.

You can dispute your claim by following these steps:

1.Review your policy and denial letter

2.Gather evidence and documentation

3.Appeal to your insurer

4.File a complaint with your state department of insurance

5.Consult a lawyer or sue your insurer

By taking these actions, you can increase your chances of getting the compensation you deserve for your home insurance claim.

Leave a Comment