3 Things To Do If You’ve Had An Insurance Claim Denied

Because you pay for your insurance on a monthly or annual basis, you expect it to be there for you when you need it. But unfortunately, when you do need to make a claim to your insurance, be it your homeowners insurance, car insurance, or your medical insurance, you might find that your claims are denied. While this can be incredibly frustrating, there are things that you can do after this happens to continue to seek the help, assistance, and coverage that you need.

To help you see how this can be done, here are three things to do if you’ve had an insurance claim denied. 

Become Your Own Investigator

If you were under the impression that the insurance coverage that you have should have covered the claim that you filed with your insurance but it was still denied, the first thing you should do is a bit of investigating. 

First, you should look at why they’re saying they denied your claim. Next, you should look over all of the information you have regarding your policy. Then, you’ll want to make sure that you understand their guidelines for filing claims and have done everything according to their guidelines

As you’re doing all of this work, make sure you’re making copies of everything you find and each new thing you discover. This can help you immensely in the next part of dealing with a denied claim from your insurance company. 

File An Appeal

Once you’re given the information that your claim has been denied and you have some standing for why you think this was a mistake, you’ll then want to file an appeal for the denial of that claim. 

When you’re filing your appeal, again, you’re going to want to make sure that you handle all of the paperwork according to their guidelines, as you don’t want to give them any excuse to deny your claim and your appeal. Provide them with all of the relevant information when filing your appeal so that you have the best possible chance of getting your claim covered. 

Consider Hiring An Attorney

If you’re feeling completely overwhelmed by the amount of work that you’re going to have to do to try to get your denied claim appealed and potentially approved, one option to consider is hiring an attorney to help you with this. 

An attorney can help you get all of the necessary paperwork together, help ensure that everything is filed correctly, and use their experience and expertise to help give you the best possible chance of getting the coverage that you’ve paid for and deserve. 

If you’ve had an insurance claim denied, consider using the tips mentioned above to help you figure out what your next move should be. 

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