When a claim is denied
Keep the written denial and relevant policy documents together. A denial may concern coverage, exclusions, conditions or the evidence available. The reason matters before deciding what to do next.
Tell us whether the insurer declined the whole claim or only part of it, and what explanation it provided.
When a claim is still waiting
Record when the claim was reported, inspections took place, documents were requested and responses were received. Identify any outstanding request and keep copies of communications.
Review does not change deadlines.
Tell us if an important policy, appeal or legal deadline is approaching. Public-adjusting representation does not change the policy or guarantee a decision or payment.
Records to gather
- Your policy and declarations page.
- The insurer’s estimate and payment information.
- Written decisions and explanations of deductions.
- Photographs, repair estimates and relevant invoices.
- A short timeline of important claim communications.
You do not need to upload these to start an inquiry. Tell us what is available, and we can discuss what is needed next.
A next step depends on the facts.
We can discuss whether the concern fits our services and explain any proposed work and fee terms before representation begins.