Your claim was denied. What now?

Start with the written reason

A denial should be reviewed against the complete policy and the facts the insurer relied on. Obtain the decision letter and identify the specific exclusion, condition, or factual finding it cites. A disagreement about coverage may need a different response from a disagreement about the amount of damage.

Organize the evidence around that reason

• Keep the full policy and endorsements, not only the declarations page.
• Collect the claim report, dated photographs, inspection findings, estimates, and relevant repair history.
• Record the insurer's requests, your responses, and any missing information.
• Identify where your evidence supports or contradicts the stated reason; do not invent a cause or date to fill a gap.

Ask the insurer to clarify an unclear explanation in writing. New documentation should address the actual issue rather than simply demand a larger payment.

Understand the available next steps

Depending on the policy, dispute, and applicable rules, options may include further documentation, reconsideration, an eligible mediation or appraisal process, or legal advice. They are not a mandatory ladder and are not interchangeable. Appraisal does not resolve every coverage dispute, and a complaint does not automatically extend a deadline.

Use our deadlines guide to identify the dates that need review. Consult a Florida attorney about legal rights, disputed deadlines, litigation, or the effect of a release.

Request a focused review

Send the decision letter, policy, and available evidence with a denied claim review request. Care Claims can explain what is documented, what remains unknown, and whether its services fit the issue. A review cannot promise that the denial will be reversed.