What should I do immediately after my insurance claim is denied?

A claim denial is not the end of the road. Most denials can be appealed, and some are reversed when the policyholder submits additional documentation or challenges the carrier’s interpretation of the policy language.

The first step is to read the denial letter in full. Insurers are required to state the specific reason for the denial and cite the policy provision, exclusion, or condition they are relying on. If the letter is vague, write to the carrier and request a specific citation.

Next, pull out your actual policy document and read the section the insurer cited. Policy language is dense, but the key question is: does the exclusion or condition actually apply to your circumstances? Carriers sometimes apply broad exclusions to situations they were not designed to cover, or mischaracterize the cause of loss.

Gather all supporting documentation for your loss: photographs, contractor estimates, receipts, weather reports, police reports, or any other evidence relevant to what happened and what it cost. Documentation gaps are a common reason initial claims are denied but later paid on appeal.

Submit a written appeal to the carrier within the timeframe stated in the denial letter. State specifically why you believe the denial was incorrect, cite the policy language you are relying on, and attach all supporting documents. Keep copies of everything you send and confirm receipt in writing.

If the carrier denies your appeal and you believe the denial is wrong, you have additional options: file a complaint with the Georgia Department of Insurance, consult a licensed public adjuster who can independently assess the damage and advocate on your behalf, or speak with an attorney who handles insurance coverage disputes.

Olive Cover (operated by Olive Insurance Services, LLC) can assist you in reviewing the denial, identifying any documentation gaps, and communicating with the carrier on your behalf.