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Filing a Dispute
How to formally challenge your carrier's decision through their internal appeals process.
Typical Timeline
30-60 days
Cost
Free
Success Rate
~30-40%
What is an Insurance Dispute?
An insurance dispute is a formal disagreement between you and your insurance carrier about a claim decision. This could involve:
Claim denial - Your claim was rejected entirely
Underpayment - The settlement offer is too low
Coverage dispute - Disagreement about what's covered
Delay - Unreasonable delays in processing
How to File a Dispute
Follow these steps to formally dispute your carrier's decision
1
Review Your Denial Letter
Carefully read the reason for denial. Common reasons include: policy exclusions, missed deadlines, insufficient documentation, or coverage disputes.
Key Actions:
- Highlight the specific reason(s) cited
- Note any deadlines mentioned for appeal
- Check if they reference specific policy sections
2
Gather Your Documentation
Collect all evidence that supports your claim and contradicts the denial reason.
Key Actions:
- Photos and videos of damage
- Receipts and proof of ownership
- Contractor estimates
- Weather reports (if applicable)
- Communication records with carrier
3
Write Your Appeal Letter
Draft a formal letter disputing the denial with specific reasons and evidence.
Key Actions:
- Reference your policy number and claim number
- State clearly why you disagree with the denial
- Cite specific policy language that supports your claim
- Attach all supporting documentation
4
Submit Through Proper Channels
Send your dispute through the carrier's official appeals process.
Key Actions:
- Send via certified mail with return receipt
- Keep copies of everything you send
- Follow up with a phone call to confirm receipt
- Document the name of everyone you speak with
5
Escalate if Necessary
If the internal dispute doesn't resolve your issue, you have additional options.
Key Actions:
- File a complaint with your state DOI
- Request mediation or appraisal
- Consult with an insurance attorney
Watch Your Deadlines
Most policies have strict deadlines for filing disputes and appeals. Check your policy for the "Suit Against Us" or "Legal Action" section to find your deadline. Missing it could forfeit your right to dispute.
Need Help With Your Dispute?
Proper documentation is critical for a successful dispute. ClaimNova can help you organize your evidence and strengthen your case.