Overturn Denied Renters Insurance Claims

Cost Savings

Checklist Tasks

• Request a written claim denial with policy language for insurer’s reasons.
• Compare denial reasons to policy exclusions to find errors or misinterpretations.
• Gather all original documentation, photos, and third-party reports for your claim.
• Prepare a detailed event timeline with supporting evidence to show compliance.
• Identify any insurer procedural errors, such as missed deadlines or incorrect reviews.
• Write a clear, formal appeal directly addressing each denial point with evidence.
• Request the insurer’s claims guidelines to identify any process deviations.
• Contact your state insurance department for help or to file a formal complaint.
• Seek written statements from witnesses or professionals to strengthen your case.
• Send your appeal by certified mail to confirm delivery and build a paper trail.
• Request review by a supervisor or ombudsman if your first appeal is denied.
• Log all conversations with insurer representatives, including dates and names.