What happens if my claim is denied?

If your claim is denied, review the denial letter carefully to understand the specific reason. Common reasons include policy exclusions, late reporting, insufficient documentation, or lapsed payments. You have the right to appeal the decision. Contact your insurance company to discuss the denial and ask for clarification. You can also request a copy of the adjuster's report. If the appeal is unsuccessful, you may file a complaint with your state's insurance department or consult an attorney.