Time left to file a New

Hurricane Ian Claim

What to Do When Your Insurance Claim Is Denied

What to Do When Your Insurance Claim Is Denied

What to Do When Your Insurance Claim Is Denied


Filing a claim with your insurance provider after a loss is usually a straightforward process, but what happens when your claim is denied? A denied insurance claim can be frustrating as it can affect your ability to recover from a loss. However, all hope isn't lost, and there is something you can do. In this blog, we will guide you on what to do when an insurance claim is denied, and how a public claims adjuster can help you overturn the denied claim.


1. Review the Reason for the Denial

Before proceeding with your next step, the first thing you should do is to review the reason for your claim's denial. The insurer will typically send you a letter, outlining the reasons for denying your claim. The explanation could be due to inadequate information, insufficient coverage, or incorrect filing. Take time to go through the letter and relate it to your policy to understand the reason for the denial.

2. File an Appeal

Once you have identified the reason for your claim denial, the next step is to file an appeal. Most insurance providers have an appeal process that allows you to challenge the denial decision. Make sure you study the appeal process and file your appeal within the stipulated timeline. Also, ensure that you provide all the necessary documentation and evidence to support your claim.

3. Hire a Public Claims Adjuster

If the appeal process fails, you may want to consider hiring a public claims adjuster. A public claims adjuster can help you navigate the claims process, negotiate with the insurance provider, and possibly overturn the denied claim. When choosing a public adjuster, it is crucial to select a reputable one to avoid further complications.

4. Consider Legal Action

If the insurance provider continues to deny your claim even after hiring a public claims adjuster, you might want to consider taking legal action. Consult with an attorney who specializes in insurance law to determine whether you have a case. However, keep in mind that taking legal action is time-consuming and can be costly.

5. Review Your Policy

Lastly, it is essential to review your policy to ensure that you understand what you're paying for and the coverage limitations. Adequate knowledge of your policy can help prevent future claim denials. Ensure that you ask your insurance provider questions on parts of the policy you don't understand.



Filing an insurance claim is usually an easy process, but a denied claim can be a nightmare. However, there is always a remedy, and in this case, it's important to seek the help of experienced public claims adjusters. At Five Star Claims Adjusting, our team of expert public adjusters has over a decade of experience handling claims. Contact us today for more information.

We serve all of Florida

We represent you, not the insurance company.
Southwest Florida

6151 Lake Osprey Drive,
Suite 345,
Sarasota, FL 34240

(941) 202-2343

(321) 256-6947

Five Star Claims Adjusting™
To Top