Having your home insurance claim denied can be frustrating and stressful. You’ve paid your premiums on time, and you’re expecting your insurer to cover the damage to your property. But what if your claim is denied? What are your options, and how can you appeal the decision? In this blog, we’ll provide you with a step-by-step guide on what to do if your home insurance claim is denied, as well as some new ideas and advice that may not have been previously mentioned.

Step 1: Review the Denial Letter

When your claim is denied, you’ll typically receive a letter from your insurer explaining why your claim was denied. Take the time to review this letter carefully, as it’s essential to understand the reasons behind the denial.

  • Understand the Reasons: The letter will likely provide specific reasons why your claim was denied. Make sure you understand these reasons, as they will be crucial in appealing the decision.
  • Check for Errors: Review the letter to ensure that there are no errors or inaccuracies. If there are, you may be able to appeal the decision based on these errors.

Step 2: Gather Evidence

Gathering evidence is crucial in appealing a denied claim. This may include:

  • Photos and Videos: Take photos and videos of the damage to your property before you start cleaning up. This will help to document the extent of the damage and provide visual evidence of the loss.
  • Witness Statements: If there were witnesses to the damage, gather their statements to provide additional evidence.
  • Receipts and Invoices: Keep receipts and invoices for any repairs or replacements you’ve made to date. These will be essential in supporting your claim.

Step 3: Appeal the Denial

Once you’ve gathered your evidence, it’s time to appeal the denial. This may involve:

  • Writing a Letter: Write a detailed letter explaining the reasons why you believe your claim should be approved. Make sure to include all of the evidence you’ve gathered and provide specific examples of how the damage has affected your property.
  • Calling Your Insurer: If you’re not comfortable writing a letter, you may want to call your insurer to discuss your claim. Be prepared to provide the same evidence and arguments you would in a written letter.
  • Hiring a Public Adjuster: If you’re not getting anywhere with your insurer, you may want to consider hiring a public adjuster. Public adjusters are experts in insurance claims and can help you navigate the process and negotiate with your insurer.

Step 4: Consider Mediation

If your insurer is still refusing to pay your claim, you may want to consider mediation. Mediation is a process where a neutral third party helps you and your insurer come to a mutually acceptable agreement.

  • Understand the Process: Mediation is a voluntary process, and you should understand the rules and procedures before agreeing to it.
  • Prepare for Mediation: Prepare for mediation by gathering all of your evidence and developing a clear argument for why your claim should be approved.


Having your home insurance claim denied can be frustrating and stressful, but it’s not the end of the road. By following these steps and gathering evidence, you can appeal the denial and fight for the coverage you deserve. Remember to stay calm, patient, and persistent, and don’t be afraid to seek help from a public adjuster or mediator if needed. With the right approach and preparation, you can successfully appeal a denied home insurance claim and get the coverage you need to repair and restore your property.