Help With a Denied Insurance Claim

Denials usually fall into a handful of categories: cause-of-loss disputes, late notice, wear-and-tear, and policy exclusions. Each is a different problem with a different path back, and the fix starts with naming which one you're in. We read your policy, audit the denial letter, and rebuild the claim if it's worth rebuilding.

When to call us

• You received a denial letter and aren't sure why.
• The insurance company cited 'wear and tear' or 'maintenance.'
• You were denied for 'late notice' but the damage was hidden.
• An engineer's report contradicted your contractor.
• You believe the policy actually covers the loss.

What we'll handle

• Full policy and denial-letter audit to name the actual dispute: coverage, causation, documentation, or deadline.
• Independent inspection and counter-documentation.
• Formal supplemental claim or reinspection request.
• Honest call on whether the claim should be re-opened, or whether it's time to talk to an attorney.

Note: If your claim is in active litigation or you've already retained counsel, talk to your attorney before engaging a public adjuster.

Note the distinction: appraisal resolves disputes about the amount of a covered loss, not whether the loss is covered. Denials are a coverage fight, which is a different path.