What To Do If Your Home Insurance Denies Your Roof Repair Claim

What to Do If Your Home Insurance Denies Your Roof Repair Claim? It’s a frustrating situation, but definitely not uncommon. Dealing with a denied claim can feel overwhelming, leaving you scrambling to figure out your next move. This guide breaks down the process step-by-step, from understanding your policy and reviewing the denial letter to negotiating with your insurer and even considering legal options.

We’ll equip you with the knowledge and strategies to navigate this tricky situation and hopefully get your roof repaired.

This guide covers everything from deciphering your insurance policy’s fine print to effectively communicating with your insurance company and gathering the necessary documentation to support your appeal. We’ll also explore your rights as a policyholder and discuss what to do if your initial appeal is unsuccessful. Think of this as your ultimate survival guide for dealing with a denied roof repair claim.

Understanding Your Policy

Getting your roof repair claim denied is frustrating, but understanding your home insurance policy is key to navigating this situation. Many denials stem from misunderstandings about what your policy actually covers. Knowing the specifics of your coverage can help you build a stronger case for appeal or prepare for future needs.Common Reasons for Roof Repair Claim DenialsSeveral common reasons lead to insurance companies denying roof repair claims.

These often involve pre-existing damage, lack of proper maintenance, or damage caused by excluded perils. It’s crucial to review your policy carefully to understand what is and isn’t covered.

So, your home insurance denied your roof repair claim? That totally sucks. Before you freak out, check your policy carefully. If you suspect bad faith denial, understanding the Legal Considerations When Suing an Insurance Company for Bad Faith is key. This might mean consulting a lawyer to explore your options and determine if you have a case.

Remember to document everything!

Policy Clauses Leading to Denial

Policy wording is often the root cause of disputes. For example, many policies have clauses excluding damage caused by gradual wear and tear, rather than sudden and accidental events. Another common exclusion involves damage resulting from lack of maintenance. If your roof’s damage stems from years of neglect, the claim may be denied. Policies might also specify coverage limitations based on the age of your roof; older roofs might be considered beyond the scope of standard coverage.

Finally, specific named perils, like pest infestation or faulty workmanship, may be excluded. Carefully examining the “exclusions” section of your policy is essential. For example, a clause stating “We do not cover damage caused by gradual deterioration” could lead to a denial if your roof damage is due to age and weathering. Similarly, a clause like “Damage resulting from lack of reasonable maintenance is excluded” could be used to deny a claim if you failed to address minor leaks promptly.

Comparison of Home Insurance Policies and Roof Repair Coverage

Understanding the differences between various home insurance policies regarding roof repair coverage is vital. The table below illustrates how coverage can vary significantly.

Policy Type	Roof Repair Coverage	Exclusions	Deductible Information
Basic/HO-1	Limited coverage, typically only for named perils (e.g., fire, windstorm)	Wear and tear, pest damage, faulty workmanship, lack of maintenance	Higher deductible, potentially several thousand dollars
Broad/HO-2	Covers a broader range of perils than HO-1, including falling objects	Similar to HO-1, plus additional exclusions depending on the specific policy	Lower deductible than HO-1, but still potentially significant
Special/HO-3	Covers all perils except those specifically excluded in the policy	Often includes exclusions for wear and tear, pest damage, faulty workmanship, and lack of maintenance	Lower deductible than HO-2, but the specific amount varies
Comprehensive/HO-5	Provides the broadest coverage, including personal property and liability	Similar exclusions to HO-3, though specific exclusions may vary based on the policy and insurer	Typically the lowest deductible among the options

Reviewing the Denial Letter

Okay, so your home insurance company denied your roof repair claim. That’s frustrating, but don’t panic. The denial letter itself is your first clue on how to proceed. Understanding its contents is crucial for your next steps. It’s like a roadmap, albeit a frustrating one, guiding you toward potentially appealing the decision.The key to deciphering a denial letter lies in carefully examining each section.

Look for specific details aboutwhy* your claim was denied. This is often the most important part. Was it because of pre-existing damage? Did they determine the damage wasn’t covered under your policy? Did they find evidence of improper maintenance on your part?

The reason given will directly impact your strategy for appealing. Also, pay close attention to the policy sections cited in the denial. These references will help you understand the insurer’s interpretation of your policy and pinpoint any potential disagreements. Finally, note any deadlines or next steps the insurance company Artikels. Missing these deadlines could seriously impact your ability to appeal.

Key Information Within the Denial Letter

The denial letter should clearly state the reason for the denial. This might include specific policy exclusions, insufficient evidence of damage, or a determination that the damage was caused by something not covered by your policy (like normal wear and tear). For example, a letter might state that the damage was deemed pre-existing and therefore not covered under the policy’s terms, referencing a specific clause about damage present before the policy’s inception.

Another example could be a denial based on the claim failing to meet the policy’s definition of a covered “sudden and accidental” event. The letter should also specify the date of the denial and any deadlines for appealing the decision. Failure to meet these deadlines might mean you lose your right to appeal, so mark them prominently on your calendar.

Immediate Actions After Denial

Once you’ve thoroughly reviewed the letter, don’t delay. The first step is to gather all relevant documentation. This includes your original claim, photos of the damage, any communication you’ve had with the insurance company, and a copy of your insurance policy itself. Next, carefully review your policy again. This time, focus specifically on the sections the denial letter cited.

Look for any ambiguities or discrepancies between the insurer’s interpretation and your understanding of the coverage. Consider consulting with a public adjuster or attorney specializing in insurance claims. They can provide an objective assessment of your case and advise you on the best course of action.

Checklist of Actions Upon Receiving a Denial Letter

• Read the denial letter thoroughly, noting the reason for denial, policy sections cited, and any deadlines.
• Gather all relevant documentation: claim forms, photos, communication with the insurance company, and your policy.
• Review your policy, paying close attention to the sections referenced in the denial letter.
• Contact the insurance company to discuss the denial and request clarification on any unclear points.
• Consider seeking advice from a public adjuster or attorney specializing in insurance claims.
• Document all communication with the insurance company.
• Determine if you want to appeal the denial and prepare your appeal following the insurance company’s guidelines and deadlines.

Gathering Supporting Documentation

Appealing your denied roof repair claim requires more than just a heartfelt plea; you need solid evidence to back up your case. Think of it like building a strong argument in a debate – the more compelling your evidence, the better your chances of winning. This section Artikels the key documentation you’ll need to assemble to support your appeal.This process involves gathering a range of documents that demonstrate the extent of the damage, the necessity of repairs, and the reasonableness of your claim.

The more comprehensive and well-organized your submission, the stronger your appeal will be. Remember, your goal is to convincingly show the insurance company that their initial denial was incorrect.

Types of Supporting Documentation

This section details the various types of documents that can bolster your appeal. Providing a comprehensive collection of these documents significantly increases your chances of a successful appeal. Remember to keep meticulous records of all communications and documents related to your claim.

• Contractor Estimates: Multiple estimates from different, reputable roofing contractors are crucial. These estimates should detail the necessary repairs, including materials and labor costs. For example, one estimate might specify the need for 20 squares of new shingles, underlayment replacement, and flashing repairs, all with detailed pricing. Discrepancies between estimates should be explained, perhaps due to differing material choices or labor rates.

  Presenting a range of estimates helps establish a fair market value for the repairs.

• Photographs and Videos: Visual evidence is invaluable. Take clear, well-lit photos of the damaged areas from multiple angles. Include close-ups of damaged shingles, missing flashing, and any other visible problems. Videos can further illustrate the extent of the damage, especially if there’s evidence of water damage inside the home. For instance, a video showcasing water stains on ceilings or walls directly linked to the roof damage can be incredibly persuasive.

• Prior Insurance Claims and Documentation: If you’ve filed previous claims related to your roof, including maintenance or minor repairs, this documentation can be relevant. It can show a history of maintenance or highlight a pattern of progressive damage. For example, prior claims for minor leak repairs might support a current claim for more extensive damage stemming from the same underlying issue.
• Weather Reports: Severe weather events like hailstorms or high winds can cause significant roof damage. Provide weather reports from the relevant period to corroborate your claim that the damage was caused by a covered event. This could be a printout from a reputable weather service showing hail size or wind speeds exceeding the threshold for damage to your type of roof.

• Home Inspection Reports: If you have a recent home inspection report that documents roof damage, this is strong evidence. A professional home inspector’s assessment carries significant weight with insurance companies. The report should clearly identify the damage and recommend necessary repairs.

Prioritizing Important Documents

Organize your documents strategically to present the strongest possible case. Begin with the most compelling evidence first.

1. Contractor Estimates: These provide concrete evidence of the cost of repairs and the extent of the damage.
2. Photographs and Videos: Visual evidence is often the most persuasive way to demonstrate the damage.
3. Home Inspection Reports (if applicable): An independent professional’s assessment adds credibility to your claim.
4. Weather Reports (if applicable): These link the damage to a covered event.
5. Prior Insurance Claims and Documentation (if applicable): This shows a history of maintenance or damage.

Communicating with Your Insurance Company

Appealing a denied home insurance claim requires clear, concise, and professional communication. Your goal is to respectfully but firmly present your case, highlighting the discrepancies between the adjuster’s assessment and the actual damage to your roof. Remember, maintaining a calm and respectful tone throughout the process significantly increases your chances of a successful appeal.Effective communication strategies involve carefully documenting every interaction, keeping records of all phone calls, emails, and letters.

This meticulous record-keeping provides crucial evidence should the appeal process escalate. Furthermore, understanding your policy inside and out allows you to confidently address any points of contention the insurance company may raise. Finally, being prepared to patiently explain your position and provide supporting evidence is essential.

Strategies for Effective Communication

Effective communication involves a multi-pronged approach. First, always attempt to resolve the issue through direct communication with your insurance adjuster. This might involve a phone call to clarify any misunderstandings or a follow-up email to provide additional information. If this fails, a formal written appeal letter, as detailed below, is the next step. Maintaining a professional tone, even when frustrated, is critical.

Remember to clearly state your case, cite specific policy clauses, and provide irrefutable evidence. Finally, if necessary, consider involving a public adjuster or legal counsel to represent your interests.

Examples of Professional and Polite Communication

Consider these examples: Instead of saying, “Your adjuster is completely wrong and incompetent!”, try, “I respectfully disagree with the assessment of the damage in the denial letter. I believe the evidence I’ve provided clearly demonstrates the extent of the damage exceeds the policy’s deductible.” Similarly, instead of demanding, “You MUST pay for my roof!”, try, “I am requesting a re-evaluation of my claim based on the additional information provided.” A calm and respectful approach fosters cooperation and increases the likelihood of a positive outcome.

Sample Appeal Letter

[Your Name][Your Address][Your Phone Number][Your Email Address][Date][Insurance Company Name][Insurance Company Address]Subject: Appeal of Denied Claim – Policy Number [Your Policy Number]Dear [Insurance Adjuster Name or Claims Department],This letter formally appeals the denial of my claim for roof repair, received on [Date of Denial Letter], under policy number [Your Policy Number]. I respectfully disagree with the assessment of damage Artikeld in your denial letter.The denial stated [briefly summarize the reason for denial].

However, I believe this assessment fails to adequately consider [state your counter-argument, citing specific points]. I have attached [list attached documents, e.g., additional photos, contractor estimates, engineer’s report]. These documents provide compelling evidence of [briefly explain the evidence and its relevance].Specifically, [point 1 with supporting evidence], [point 2 with supporting evidence], and [point 3 with supporting evidence].I request a thorough re-evaluation of my claim based on the additional information provided.

I am available to discuss this matter further at your convenience.Sincerely,[Your Signature][Your Typed Name]

Negotiating with Your Insurer

Negotiating a settlement after your home insurance company denies your roof repair claim can feel daunting, but a strategic approach can significantly improve your chances of success. Remember, you’re not just arguing; you’re presenting a case based on your policy and the facts of your situation. A calm, professional demeanor, combined with a well-prepared argument, is key.Successfully negotiating requires a thorough understanding of your policy, the denial letter’s reasoning, and compelling evidence supporting your claim.

This involves presenting a clear, concise, and persuasive argument highlighting the discrepancy between the insurer’s assessment and the actual damage to your roof. Be prepared to support your claims with detailed documentation and, if necessary, expert opinions.

Presenting a Strong Case for Appeal, What to Do If Your Home Insurance Denies Your Roof Repair Claim

A strong appeal hinges on effectively countering the insurer’s reasons for denial. This often involves demonstrating that the damage falls under your policy’s coverage, exceeding the deductible, and that the insurer’s assessment is inaccurate or incomplete. For instance, if the denial cites “lack of evidence of storm damage,” you might present photos showing the damage, a weather report confirming a storm in your area, and a contractor’s report detailing the damage’s cause.

If the insurer claims the damage is due to normal wear and tear, you’ll need to provide evidence demonstrating that the damage exceeds typical aging and is directly linked to a covered event, such as a hailstorm or strong winds.

Potential Compromises and Alternative Solutions

Sometimes, a complete reversal of the denial isn’t feasible. In these cases, exploring compromises can be beneficial. This could involve negotiating a partial settlement, where the insurer covers a portion of the repair costs. For example, if the insurer only wants to pay for a partial roof replacement, you might negotiate a compromise where they cover a larger area of repair or agree to pay for more expensive, higher-quality materials.

Alternatively, you might consider exploring alternative solutions, such as a different contractor or a less expensive repair method, to lower the overall cost and increase the likelihood of a settlement. If all else fails, remember that you have the right to pursue legal action if you believe the insurer has acted in bad faith. However, this should be a last resort after thoroughly exploring all negotiation options.

Filing a Formal Complaint

So, your insurance company still isn’t budging on that roof repair? Don’t despair! Filing a formal complaint with your state’s insurance department is your next step. This can be a powerful tool to get your claim reviewed and potentially resolved in your favor. It’s a more formal process than simply calling your insurer again, but it can be worth the effort if you’ve exhausted other options.Filing a formal complaint essentially puts your case in the hands of a neutral third party—your state’s insurance regulator.

They’ll investigate your claim and the insurance company’s handling of it, potentially leading to a more favorable outcome. Remember, this process takes time, so be patient and keep records of everything.

State Insurance Department Contact Information

Finding the contact information for your state’s insurance department is surprisingly easy. A quick Google search like “[Your State] Department of Insurance” will usually bring up the official website. Alternatively, the National Association of Insurance Commissioners (NAIC) website, naic.org, provides a directory of all state insurance departments. You can locate their contact information, including addresses, phone numbers, and email addresses, on these websites.

Many also offer online complaint forms, which can streamline the process.

Filing a Formal Complaint: A Step-by-Step Guide

Before you begin, gather all the relevant documentation you’ve collected so far: your policy, the denial letter, photos of the damage, repair estimates, and any correspondence you’ve had with the insurance company. Being organized will make the process much smoother.

1. Complete the Complaint Form: Most state insurance departments have online complaint forms. These forms typically request information about your policy, the claim, the denial, and the reasons you believe the denial was unfair. Fill out the form accurately and completely. Be clear, concise, and avoid emotional language.
2. Provide Supporting Documentation: Attach copies of all relevant documents. Don’t send originals unless specifically requested. Clearly label each document to help the department process your complaint efficiently.
3. Submit Your Complaint: Submit the completed form and supporting documents according to the instructions on the department’s website. This might involve mailing it, emailing it, or submitting it through an online portal.
4. Keep a Record: Make copies of everything you submit. Note the date and method of submission. This documentation will be essential if you need to follow up on your complaint.
5. Follow Up: After submitting your complaint, you’ll likely receive an acknowledgement. If you haven’t heard back within a reasonable timeframe (usually a few weeks), follow up with the department to check on the status of your complaint.

Remember, the process and timeframe can vary from state to state, so be sure to check your specific state’s insurance department website for detailed instructions.

Considering Legal Options: What To Do If Your Home Insurance Denies Your Roof Repair Claim

So, you’ve exhausted all other avenues – you’ve reviewed your policy, appealed the denial, gathered evidence, and even negotiated with your insurance company. Your roof still needs repair, and your insurance company remains unmoved. Now, it’s time to consider whether legal action is your best option. This isn’t a decision to take lightly, as it can be expensive and time-consuming, but sometimes it’s the only way to get the fair settlement you deserve.Legal action might be necessary when your insurance company has acted in bad faith, meaning they have knowingly disregarded their contractual obligations or acted unfairly in handling your claim.

This could involve denying a clearly valid claim based on flimsy or fabricated reasons, failing to investigate your claim thoroughly, or engaging in unreasonably slow or obstructive tactics. Other circumstances justifying legal action might include a demonstrably incorrect assessment of damages, misrepresentation of policy terms, or outright breach of contract. Essentially, if you believe your insurer has not acted in good faith and has unfairly denied a legitimate claim, pursuing legal recourse might be warranted.

Finding and Consulting with an Insurance Dispute Lawyer

Finding the right lawyer is crucial. You’ll want someone experienced in handling insurance disputes, preferably with a proven track record of success in similar cases. Start by asking for referrals from friends, family, or other professionals. Online legal directories can also be helpful, allowing you to filter by area of expertise and client reviews. During your initial consultation (often free or low-cost), clarify their fee structure, experience with roof damage claims, and their approach to your specific situation.

Be prepared to discuss the details of your case thoroughly and ask pointed questions about their strategy and anticipated timeline. Choosing a lawyer you trust and feel comfortable with is paramount. Remember, a good lawyer will not only understand insurance law but also be able to effectively communicate your concerns to the insurance company and, if necessary, the court.

Pros and Cons of Pursuing Legal Action

The decision to pursue legal action involves weighing potential benefits against potential drawbacks.

So, your home insurance denied your roof repair claim? That totally sucks. Before you freak out, know that you might have legal options if you think they acted in bad faith. Check out this article on What Is the Statute of Limitations for Bad Faith Insurance Lawsuits? to understand the timeframe for taking action.

Knowing your rights is key to getting your roof fixed and getting the compensation you deserve.

Pros	Cons
Potentially higher settlement amount than you could negotiate on your own. A successful lawsuit could cover not only roof repair costs but also legal fees and potentially punitive damages if the insurer acted in bad faith.	High legal costs. Even with a successful outcome, you might end up spending a significant amount on attorney fees and court costs. This can be a considerable financial burden, especially if you’re already dealing with the stress of a damaged roof.
Stronger leverage against the insurance company. The threat of a lawsuit can often incentivize insurance companies to reconsider their denial and offer a more favorable settlement.	Time-consuming process. Lawsuits can take months or even years to resolve, leaving you to deal with a damaged roof for an extended period.
Protection of your rights. A lawyer can ensure your rights are protected throughout the process and that your claim is handled fairly according to the law.	Uncertain outcome. Even with a strong case, there’s no guarantee of winning a lawsuit. The legal process is inherently unpredictable, and you could end up with nothing but added expenses.

Remember, the decision of whether or not to pursue legal action is a significant one, and it’s essential to weigh these factors carefully and seek professional legal advice before proceeding.

Preventing Future Denials

Successfully navigating a denied home insurance claim is stressful, but learning from the experience can prevent future headaches. By proactively maintaining your roof and meticulously documenting your efforts, you significantly reduce the risk of another claim denial. This involves a combination of preventative maintenance and diligent record-keeping.Proactive roof maintenance is your best defense against future claim denials. Regular inspections, prompt repairs, and detailed record-keeping demonstrate your commitment to responsible homeownership and minimize the likelihood of damage escalating into a major, and potentially uninsurable, problem.

Think of it as preventative medicine for your house – a small investment now can save you a significant amount of money and stress later.

Maintaining Proper Roof Maintenance Records

Keeping thorough records of your roof’s condition and maintenance is crucial. This documentation serves as irrefutable evidence of your proactive approach to home maintenance should a claim ever be necessary. Imagine this scenario: Your roof sustains damage during a severe storm. If you have meticulously documented previous inspections and repairs, showing a history of responsible maintenance, your insurance company is far more likely to view your claim favorably.

Conversely, a lack of documentation can raise questions about the condition of your roof prior to the damage, potentially leading to a denial.Your roof maintenance records should include dates of inspections, descriptions of any repairs or replacements made, and the names and contact information of any contractors involved. Photographs are invaluable – document the overall condition of your roof, any existing damage, and the progress of any repairs.

Consider storing these records digitally and in a safe, physical location, such as a fireproof safe. This ensures their accessibility and preservation even in unforeseen circumstances.

Preventative Maintenance Schedule for Homeowners

A well-structured preventative maintenance schedule helps ensure your roof remains in optimal condition. This schedule should be tailored to your specific climate and the type of roofing material you have. For example, a homeowner in a region with frequent heavy snowfalls will need a different schedule than someone in a dry, desert climate.A sample preventative maintenance schedule could include:

• Annual Inspection: A thorough visual inspection by a qualified roofing professional, ideally in spring and fall, to identify potential problems early.
• Bi-annual Cleaning: Removing debris like leaves, branches, and moss to prevent water damage and premature deterioration. This is especially important for areas with heavy tree cover.
• Triennial Repair/Replacement: Addressing any minor repairs promptly, such as replacing damaged shingles or flashing. Major repairs or complete roof replacements should be addressed as needed, based on the professional’s assessment.
• Documentation: After each inspection and repair, meticulously document the date, details of the work performed, and the contractor’s information. Store this documentation safely and digitally.

Remember, this is a sample schedule; adjust it to fit your specific needs and climate. Regular maintenance is far cheaper and less stressful than dealing with a major roof repair or a denied insurance claim. The peace of mind alone is worth the effort.

Understanding Your Rights as a Policyholder

Navigating a denied home insurance claim can be stressful, but knowing your rights as a policyholder is crucial. Understanding both your rights and the insurance company’s responsibilities empowers you to effectively advocate for yourself and potentially resolve the dispute. This section clarifies these important aspects of the claims process.Policyholders have specific rights regarding denied claims, while insurance companies have corresponding responsibilities in handling them fairly and efficiently.

Failure to uphold these responsibilities can lead to further action, including filing complaints or pursuing legal options. It’s important to remember that your insurance policy is a contract, and both parties have obligations under that agreement.

Policyholder Rights and Insurer Responsibilities

It’s essential to understand the key rights afforded to you as a policyholder and the responsibilities your insurance company holds in processing your claim. Ignoring these can significantly impact your ability to successfully resolve your claim.

• Right to a Fair and Prompt Investigation: Your insurer must conduct a thorough and unbiased investigation of your claim. This includes promptly reviewing all submitted documentation and evidence. Delays without reasonable justification can be grounds for complaint.
• Right to Clear and Concise Communication: The insurance company is obligated to communicate clearly and promptly throughout the claims process. This includes providing a detailed explanation of the denial, citing specific policy provisions that justify the decision, and outlining the steps for appealing the decision.
• Right to Access Your Policy: You have the right to review your insurance policy at any time to understand the terms, conditions, and coverage limits. This ensures you’re aware of what’s covered and what isn’t.
• Right to Appeal a Denial: Most insurance policies provide a formal appeals process. This allows you to challenge the denial decision and present additional evidence. Understanding and utilizing this process is vital.
• Right to File a Complaint: If you believe your insurer has acted unfairly or in bad faith, you have the right to file a formal complaint with your state’s Department of Insurance or other relevant regulatory bodies. This can lead to investigations and potential sanctions against the insurer.

• Insurer Responsibility for Prompt Claim Handling: Insurance companies have a responsibility to handle claims promptly and efficiently, completing investigations within a reasonable timeframe. Unreasonable delays can be considered a breach of contract.
• Insurer Responsibility for Fair and Objective Claim Evaluation: The evaluation of your claim must be objective and unbiased. The insurer must base its decision on the facts and the terms of your policy, not on arbitrary or discriminatory factors.
• Insurer Responsibility for Clear and Accurate Communication: Insurance companies must communicate clearly and accurately with policyholders throughout the claims process, providing timely updates and explanations of their decisions.
• Insurer Responsibility for Providing a Fair Appeals Process: Insurers must offer a fair and accessible appeals process, allowing policyholders to challenge denial decisions and present additional information.
• Insurer Responsibility for Adherence to State Regulations: Insurance companies are required to comply with all applicable state regulations regarding claims handling and consumer protection. Violations can result in penalties.

Concluding Remarks

Getting your roof repair claim approved can be a stressful process, but by understanding your policy, gathering the right documentation, and communicating effectively with your insurance company, you can significantly increase your chances of success. Remember, don’t be afraid to advocate for yourself and explore all available options, including appealing the decision and seeking legal counsel if necessary. A little preparation and persistence can go a long way in protecting your home and your financial well-being.

Stay informed, stay proactive, and don’t give up!

Clarifying Questions

What if my insurance company claims the damage is due to lack of maintenance?

Provide meticulous records of your roof’s maintenance history, including professional inspections and repairs. Photos and receipts are key.

Can I choose my own contractor for the repairs?

Your policy might specify using their preferred contractors, but it’s worth negotiating to use your own, especially if you have a trusted professional.

How long does the appeals process typically take?

It varies by company and the complexity of your claim, but be prepared for a wait of several weeks or even months.

What if my insurance company still denies my claim after an appeal?

Consider consulting with a lawyer specializing in insurance disputes to explore your legal options.