Denied? What to Do Next

A denial is an opinion, not a verdict

Insurance companies deny claims for many reasons — some legitimate, many not. A denial letter is the carrier's position, and it can be challenged, supplemented and reversed with the right evidence.

Common reasons claims are denied

• Alleged policy exclusions (wear-and-tear, gradual damage, flood)
• Insufficient documentation of the loss
• Missed deadlines or notice requirements
• Disputed cause of loss
• Lowball estimates dressed up as denials

What to do right now

1. Read the denial carefully — identify the exact reason and policy language cited.
2. Request everything in writing — the insurer's report, estimate and basis for denial.
3. Gather your own evidence — photos, receipts, expert opinions.
4. Do not accept it as final — you have rights to appeal, supplement and invoke appraisal.
5. Bring in a public adjuster — before you argue with the carrier alone.

Many "denied" claims are simply under-documented claims. The right evidence changes the answer.

Cordo Claims Group reviews denied and underpaid claims at no cost. Call (877) 552-6736 and let us tell you honestly whether your claim can be reopened.