What To Do If Your Commercial Property Insurance Denies Your Claim

What to Do If Your Commercial Property Insurance Denies Your Claim? Ugh, that’s a total bummer. Dealing with an insurance claim denial can feel like navigating a bureaucratic maze, especially when it involves your business. This guide breaks down the process, from understanding your policy to potentially taking legal action, so you can fight for what’s rightfully yours and keep your business afloat.

This isn’t just about paperwork; it’s about protecting your investment and ensuring your business can recover from unforeseen events. We’ll cover everything from reviewing that frustrating denial letter to building a rock-solid case, negotiating with the insurance company, and even exploring your options if they still won’t budge. Get ready to become a claim-fighting pro!

Understanding Your Commercial Property Insurance Policy

Navigating a denied commercial property insurance claim can be frustrating, but understanding the intricacies of your policy is crucial. A thorough grasp of your policy’s terms, conditions, and exclusions is your best defense against a denial. This section will break down key components to help you understand what your policy covers and, equally important, what it doesn’t.Knowing what your commercial property insurance policy covers is essential for protecting your business.

Your policy Artikels the specific types of damage and losses it will compensate you for, as well as any limitations or exclusions. Failing to understand these specifics can lead to a denied claim, leaving you financially vulnerable.

Key Components of a Commercial Property Insurance Policy

A typical commercial property insurance policy includes several key components. These components work together to define the scope of coverage and the responsibilities of both the insurer and the insured. Understanding these components is vital for avoiding disputes and ensuring a smooth claims process.

• Declaration Page: This page summarizes the key information about your policy, including the insured, the property covered, the policy period, and the coverage limits. It’s the policy’s “table of contents.”
• Insuring Agreement: This section Artikels the insurer’s promise to pay for covered losses. It specifies the types of property covered and the perils (events that cause loss) that are insured against.
• Conditions: This section details the responsibilities of both the insured and the insurer. It may include requirements for reporting losses, cooperating with investigations, and maintaining records.
• Exclusions: This crucial section lists the types of losses or damages that are specifically not covered by the policy. Understanding these exclusions is paramount to avoid surprises during a claim.

Coverage for Various Types of Damage

Commercial property insurance policies typically offer coverage for a range of perils, though the specific coverage varies depending on the policy and endorsements. Common coverages include:

• Fire and Smoke Damage: This covers losses caused by fire, smoke, and related damage, such as water damage from firefighting efforts.
• Wind and Hail Damage: Coverage for damage to the building and its contents caused by windstorms and hail.
• Vandalism and Malicious Mischief: This covers damage intentionally caused by others, such as graffiti or vandalism.
• Water Damage: Coverage can vary widely. Some policies cover damage from burst pipes, while others may exclude flood damage (requiring separate flood insurance).

It’s important to note that the extent of coverage for each peril can be modified by endorsements or riders added to the policy. For example, a business in a flood-prone area might need a separate flood insurance policy to supplement their commercial property insurance.

Examples of Claim Denials Based on Policy Exclusions

Many claim denials stem from policy exclusions. Understanding these is critical.

• Flood Damage: Standard commercial property policies typically exclude flood damage. A business owner experiencing flooding due to a hurricane would likely have their claim denied unless they have purchased a separate flood insurance policy.
• Earthquake Damage: Similar to flood damage, earthquake damage is often excluded and requires separate coverage.
• Neglect or Intentional Acts: Claims resulting from the insured’s negligence or intentional acts are generally not covered. For example, failing to maintain the building’s heating system, leading to a burst pipe and water damage, might be denied.
• Wear and Tear: Normal wear and tear on a building or its contents is not covered. A claim for roof replacement due to age and deterioration would likely be denied.

Remember, your specific policy wording dictates coverage. Always carefully review your policy documents and seek clarification from your insurance agent or broker if anything is unclear.

Reviewing the Denial Letter

Okay, so your commercial property insurance claim got denied. That’s frustrating, but don’t panic. The first step is to carefully examine the denial letter itself. Understanding the reasons for the denial is crucial to deciding your next move.The denial letter should clearly state the reasons why your claim was rejected. This might seem obvious, but sometimes the wording can be dense or confusing.

Take your time, read it thoroughly, and highlight key phrases or sections. If you’re still unclear, don’t hesitate to seek professional help; an insurance attorney or a public adjuster can be invaluable in deciphering complex insurance jargon.

Common Reasons for Commercial Property Insurance Claim Denials

Insurance companies have specific criteria for approving claims. Denials often stem from policy exclusions, insufficient evidence, or procedural errors on your part. Let’s look at some common examples.

• Policy Exclusions: Your policy likely lists specific events or types of damage it won’t cover. For example, flood damage might be excluded unless you purchased a separate flood insurance policy. Similarly, damage caused by wear and tear or lack of proper maintenance is often not covered.
• Insufficient Evidence: Insurance companies require substantial proof of loss. This means providing detailed documentation like photographs, repair estimates, police reports (in case of theft or vandalism), and even witness statements. If your evidence is insufficient or lacks detail, your claim could be denied.
• Failure to Meet Policy Requirements: Did you report the damage promptly as stipulated in your policy? Did you take necessary steps to mitigate further damage? Failing to follow the policy’s procedures can lead to a denial. For instance, if your policy requires you to contact them within 24 hours of an incident, and you didn’t, that could be grounds for denial.

• Pre-existing Conditions: Damage resulting from a pre-existing condition, known before the policy’s effective date, is usually not covered. For example, if you had a leaky roof before obtaining the insurance, and that leak caused significant damage later, your claim for the damage might be denied.
• Fraudulent Claims: This is a serious offense and will result in a claim denial, as well as potential legal repercussions. Exaggerating the extent of damage or providing false information to inflate the claim amount is considered fraud.

Requesting Clarification of the Denial

If the reasons for the denial are unclear, or if you believe the denial is unwarranted, you have the right to request clarification. This is typically done in writing, either via certified mail or through the insurer’s online portal, depending on their procedures. Your request should specifically identify the aspects of the denial you don’t understand and request a detailed explanation, referencing specific sections of the denial letter and your policy.

Clearly state your intention to appeal the decision if necessary. Keep copies of all correspondence for your records. Remember to be polite but firm in your communication; a professional tone is essential.

Gathering Evidence to Support Your Claim

Successfully navigating a denied commercial property insurance claim often hinges on the strength of your supporting evidence. A well-organized and compelling presentation of this evidence significantly increases your chances of a successful appeal or negotiation. Remember, your goal is to clearly and persuasively demonstrate that the damage falls under the coverage of your policy.

The key to effective evidence gathering lies in thoroughness and meticulous documentation. This involves collecting a wide range of materials, properly organizing them, and presenting them in a way that’s easy for the insurance adjuster to understand and accept. Think of it as building a case, presenting your evidence as a lawyer would in court. The more comprehensive and well-presented your evidence, the stronger your case will be.

Types of Evidence

Compiling a comprehensive collection of evidence is crucial. This goes beyond simply stating the facts; you need to visually and demonstrably prove your claim. The more evidence you can provide, the stronger your case becomes. Consider gathering the following:

• Photographs: Take numerous high-resolution photographs of the damaged property from various angles. Include close-up shots of the damage, as well as wider shots showing the context of the damage within the larger property. Time-stamped photos are particularly valuable. For example, if a storm caused damage, photos taken immediately after the event showing the extent of the damage are crucial.

• Videos: Videos can provide even more compelling evidence than still photos. A short video walkthrough of the damaged area, showcasing the extent of the damage, can be incredibly persuasive. Consider using a drone for aerial shots, particularly for larger properties or widespread damage. Again, time-stamping is important.
• Repair Estimates: Obtain detailed estimates from at least three reputable contractors specializing in the type of repairs needed. These estimates should clearly itemize the costs of labor, materials, and any other associated expenses. Including detailed quotes adds weight to your claim and demonstrates the financial impact of the damage.
• Police Reports: If the damage resulted from a crime or accident, obtain a copy of the police report. This official documentation provides an independent verification of the event and the extent of the damage.
• Witness Statements: If anyone witnessed the event that caused the damage or can attest to the extent of the damage, obtain written statements from them. These statements should include their contact information and a description of what they witnessed.
• Inventory Lists: If the damage involves the loss or destruction of inventory, create a detailed list of the affected items, including their value and any supporting documentation (purchase receipts, invoices, etc.).

Organizing and Presenting Evidence, What to Do If Your Commercial Property Insurance Denies Your Claim

Simply gathering evidence isn’t enough; you need to organize it logically and present it in a clear, concise, and persuasive manner. Think of this as creating a visual narrative that supports your claim. A disorganized submission will likely be less effective.

Consider using a binder or a digital folder to organize your evidence. Clearly label each piece of evidence and provide a brief description. For example, a photo might be labeled “Exterior Damage – North Wall – October 26, 2024.” A well-organized presentation shows professionalism and strengthens your credibility.

When presenting your evidence, start with a concise summary of the claim and then present your evidence in a logical sequence. For example, begin with the police report (if applicable), followed by photos and videos documenting the damage, and conclude with repair estimates. This structured approach helps the insurance adjuster follow your argument easily.

Remember to keep copies of all submitted documents for your records. This is essential for tracking the progress of your claim and for potential future appeals.

Negotiating with Your Insurance Company

Getting your commercial property insurance claim approved after a denial can feel like navigating a maze, but effective negotiation is key. Remember, insurance companies are businesses; their goal is to minimize payouts. However, they also understand that a fair and reasonable settlement can prevent costly litigation. A well-prepared and assertive approach can significantly improve your chances of a successful outcome.Negotiating with your insurance company requires a strategic approach.

It’s not about being aggressive, but rather about presenting a compelling case backed by solid evidence. This involves understanding your policy inside and out, having meticulously documented the damage, and knowing your rights. The goal is to find common ground while protecting your interests.

Strategies for Reconsideration

Effective negotiation involves a combination of strategies. First, carefully review your policy again, paying close attention to any clauses that might support your claim. Second, present your adjuster with a detailed, organized summary of the damages, including supporting documentation like photos, repair estimates, and witness statements. Third, be prepared to calmly and professionally discuss any discrepancies or points of contention.

Finally, if the initial negotiation fails, consider involving a public adjuster or an attorney specializing in insurance claims. They can provide expert advice and advocacy. Many times, the mere presence of legal representation encourages a more favorable settlement.

Examples of Successful Negotiation Tactics

One successful tactic involves presenting a comparative market analysis to demonstrate the true cost of repairs. For instance, if the insurer offers a low settlement for roof repairs, you can provide several quotes from reputable contractors to show the actual cost is significantly higher. Another successful strategy is to highlight the potential for long-term financial losses if the repairs aren’t adequately covered.

If your business is shut down due to the damage, you can demonstrate the lost revenue and present that as a factor in the negotiation. A third tactic is to appeal to the insurance company’s desire to avoid litigation. Mentioning the possibility of legal action can often encourage a more favorable settlement, especially if you have a strong case.

Communicating Professionally and Assertively

Professional and assertive communication is crucial throughout the negotiation process. Maintain a calm and respectful demeanor, even when frustrated. Clearly and concisely explain your position, using factual evidence to support your claims. Document all communication, including emails, phone calls, and letters. Active listening is also essential.

Pay close attention to what the adjuster says and address their concerns directly. Avoid emotional outbursts or aggressive language; these tactics are counterproductive and can damage your credibility. Remember to always maintain a professional tone and reiterate your willingness to find a mutually acceptable solution. Finally, be prepared to compromise, but only to a point that still protects your financial interests.

A well-prepared negotiation, supported by solid evidence and professional communication, significantly increases your chances of a favorable outcome.

Filing an Appeal

So, your commercial property insurance claim was denied. Don’t panic; appealing the decision is a common next step, and often successful. Understanding the appeals process and preparing a strong case are key to getting a fair resolution. This section Artikels the steps involved in filing a formal appeal and provides guidance on creating an effective appeal package.The process for appealing a denied commercial property insurance claim typically involves submitting a formal appeal letter to your insurance company within a specific timeframe, often Artikeld in your policy or the denial letter itself.

This letter should clearly state your intent to appeal, reference the original claim number, and reiterate the reasons why you believe the denial was unwarranted. Crucially, you’ll need to provide compelling evidence to support your arguments. Failure to meet deadlines or provide sufficient evidence can severely impact the success of your appeal.

Appeal Letter Requirements

A successful appeal hinges on a well-crafted letter accompanied by robust supporting documentation. Your appeal letter should be professional, concise, and clearly articulate your reasons for disagreeing with the initial decision. It should avoid emotional language and focus solely on factual evidence. Key elements include a formal salutation addressing the appropriate claims adjuster or appeals department, a clear statement of your intent to appeal, a concise summary of the claim and the reasons for denial, a detailed rebuttal of the insurance company’s reasoning, and a concluding statement requesting reconsideration of the claim.

Remember to keep copies of everything you submit.

Supporting Documentation for an Appeal

Beyond the appeal letter, you need strong supporting documentation to bolster your case. This evidence should directly contradict the insurance company’s reasons for denial. Examples include:

• Copies of your original claim and all supporting documents submitted.
• Photos and videos documenting the damage to your property.
• Detailed repair estimates from licensed contractors.
• Witness statements from individuals who can corroborate your account of the incident.
• Relevant policy documents demonstrating your coverage.
• Expert reports, such as from engineers or appraisers, if applicable.

Thoroughly reviewing your policy and the denial letter will help you identify the specific points of contention and the evidence needed to counter them.

So, your commercial property insurance claim got denied? That totally sucks. Don’t freak out; your next step is to craft a killer appeal. Check out this super helpful guide on How to Write an Effective Appeal Letter for a Denied Insurance Claim to learn how to make your case. A well-written appeal can seriously boost your chances of getting the payout you deserve, so get writing!

Examples of Successful Appeal Arguments

While specific situations vary greatly, successful appeals often center around demonstrating that the insurance company misapplied policy terms, overlooked crucial evidence, or failed to adequately investigate the claim. For example, an appeal might successfully argue that damage was caused by a covered peril even if the initial assessment categorized it differently. Another successful approach might involve presenting new evidence that was not available during the initial claim assessment, such as a newly obtained expert report.

A successful appeal might also challenge the insurance company’s valuation of the damages, providing alternative estimates supported by professional assessments. Remember, the strength of your appeal rests on the clarity and persuasiveness of your arguments and the quality of your supporting evidence.

Seeking Legal Counsel

Navigating a denied commercial property insurance claim can be incredibly frustrating and complex. Sometimes, despite your best efforts to gather evidence and negotiate, you may find yourself at an impasse. In such situations, seeking legal counsel might be the best course of action to protect your interests and potentially recover your losses.When legal representation becomes advisable depends largely on the specifics of your case.

Factors such as the amount of the claim, the clarity of the policy language, the strength of your evidence, and the insurance company’s willingness to negotiate all play a crucial role. If the insurance company’s denial seems arbitrary, lacks sufficient justification, or involves a significant financial loss, consulting an attorney is a prudent step. Similarly, if negotiations have stalled or the insurer exhibits bad faith practices, legal intervention is often necessary.

Circumstances Warranting Legal Counsel

Several situations strongly suggest the need for legal assistance. A significant discrepancy between the insurer’s valuation of the damages and your own, particularly if supported by expert appraisals, is one such instance. Also, if the denial letter contains inaccurate information or misinterprets the terms of your policy, legal counsel can help correct these inaccuracies and build a stronger case.

Finally, if the insurer fails to adhere to the proper claims handling procedures Artikeld in state law, legal action may be necessary to enforce your rights. For example, an unreasonable delay in processing your claim or a failure to provide a timely explanation for the denial can be grounds for legal intervention.

Benefits and Drawbacks of Hiring an Attorney

Hiring an attorney offers several advantages. Experienced legal professionals possess in-depth knowledge of insurance law and claims procedures. They can effectively navigate the complex legal landscape, identify potential loopholes in the insurer’s arguments, and present a compelling case for your claim. Attorneys can also handle all communications with the insurance company, freeing you from the stress and emotional toll of dealing with a contentious claim.

Moreover, an attorney can help you understand your legal rights and options, and they can represent you in court if necessary.However, hiring an attorney comes with drawbacks. The most significant is the cost. Legal fees can be substantial, especially if the case goes to trial. Additionally, even with legal representation, there’s no guarantee of a successful outcome.

The legal process can also be lengthy and time-consuming, potentially delaying your recovery.

Cost and Potential Outcomes of Legal Action vs. Acceptance

The decision to pursue legal action involves weighing the potential costs and benefits against accepting the denial. Accepting the denial means foregoing any further recovery beyond what the insurance company has already offered. This might be a reasonable option if the amount in dispute is relatively small or if the chances of success in court are deemed low.

However, pursuing legal action, while expensive, could lead to a significantly larger recovery, especially if you have a strong case and the insurance company acted in bad faith. The potential financial gains must be carefully weighed against the legal fees and the time investment involved. For instance, if your claim is for $100,000 and legal fees are estimated at $20,000, a successful lawsuit resulting in a full recovery would net you $80,000.

Conversely, if you only recover $50,000 after legal costs, your net gain would be $30,000, which may or may not be worth the effort and expense. A realistic assessment of the likely outcome based on the specifics of your case is crucial before making this decision.

Understanding Your Rights as a Policyholder

Navigating a denied commercial property insurance claim can be stressful, but knowing your rights as a policyholder is crucial for a successful resolution. State and federal laws provide various protections and avenues for recourse when your insurer doesn’t uphold its end of the contract. Understanding these rights empowers you to effectively advocate for your interests and potentially recover your losses.Policyholders are afforded several key rights under both state and federal regulations.

These rights often involve fair and prompt handling of claims, access to information regarding your policy and the claim process, and the opportunity to appeal a denial. Specific protections vary by state, so consulting your state’s insurance department website is essential. Federal laws, such as those related to unfair and deceptive trade practices, also offer additional layers of protection.

So, your commercial property insurance claim got denied? That totally sucks. Don’t freak out; first, meticulously review the denial letter. Then, if it involves business interruption, check out this super helpful guide on Best Practices for Appealing a Denied Business Interruption Insurance Claim to strengthen your appeal. After reviewing that, gather all your supporting documentation and prepare a strong, well-reasoned appeal to get your claim back on track.

Filing Complaints with Regulatory Agencies

If your attempts to resolve your claim internally with the insurance company fail, filing a formal complaint with your state’s Department of Insurance is your next step. These departments are responsible for overseeing insurance companies and ensuring they comply with state regulations. Filing a complaint usually involves completing a form online or by mail, providing details of your claim, the denial, and your attempts to resolve the issue.

The department will then investigate your complaint and may take action against the insurance company if they find violations of state laws. For example, a state might fine an insurer for consistently delaying claim settlements or denying legitimate claims. The department’s involvement often puts pressure on the insurance company to reconsider their decision.

Examples of Successful Policyholder Actions

Successful outcomes for policyholders often involve a combination of thorough documentation, persistent communication, and, in some cases, legal action. One example might be a business owner who meticulously documented the damage to their property after a fire, including photos, repair estimates, and witness statements. By presenting this comprehensive evidence to the insurer and the state insurance department, they were able to successfully overturn the initial denial and receive a fair settlement.

Another example might involve a policyholder who, after exhausting all internal appeals, hired an attorney specializing in insurance disputes. The attorney’s involvement often leads to a more favorable outcome, either through negotiation or litigation. In some cases, class-action lawsuits against insurance companies have been successful in addressing systemic issues with claim denials, leading to significant payouts for affected policyholders.

The key takeaway is proactive and persistent action, utilizing all available avenues to protect your rights.

Preventing Future Claim Denials: What To Do If Your Commercial Property Insurance Denies Your Claim

Successfully navigating a commercial property insurance claim denial is stressful. To avoid the entire ordeal in the future, proactive measures are key. By implementing preventative strategies and maintaining meticulous records, you significantly reduce the risk of future denials and strengthen your position should a claim ever become necessary.

Proactive risk management is the best defense against claim denials. This involves understanding your policy inside and out, meticulously documenting your property and its condition, and regularly reviewing your coverage to ensure it aligns with your evolving needs. Remember, prevention is far more cost-effective and less stressful than dealing with a denied claim.

Preventative Measures Checklist

A comprehensive checklist can help you systematically address potential vulnerabilities. Regularly reviewing this checklist ensures consistent adherence to best practices, reducing the likelihood of future claim denials. This checklist should be a living document, updated as your business and property change.

• Regularly inspect your property for damage, noting and documenting any issues immediately.
• Maintain detailed records of all maintenance and repairs, including dates, descriptions of work performed, and contractor information.
• Ensure all safety systems (fire alarms, security systems, etc.) are regularly inspected and maintained, with records kept of inspections and servicing.
• Update your policy annually to reflect any changes in your property’s value, improvements, or business operations.
• Review your policy annually to confirm adequate coverage for all potential risks, including updating coverage for inflation.
• Keep accurate inventory records of all business property, including photos and appraisals where appropriate.
• Comply with all relevant building codes and safety regulations.
• Implement a robust security system to deter theft and vandalism.

Maintaining Accurate and Comprehensive Records

Accurate and comprehensive records are crucial for supporting a claim. Detailed documentation acts as irrefutable evidence, significantly improving your chances of a successful claim if the unexpected happens. Consider using cloud-based storage for easy access and backup.

• Maintain detailed property records, including purchase documents, appraisals, and improvement records.
• Use high-quality photography and videography to document the condition of your property regularly.
• Keep detailed records of all maintenance and repair work, including invoices, receipts, and contractor information.
• Store all insurance-related documents in a secure and easily accessible location.
• Regularly back up all important documents to a separate location, such as cloud storage or an external hard drive.

Regular Policy Review and Updates

Your business and its needs evolve over time. A static insurance policy won’t adequately protect you from unforeseen circumstances. Regular review ensures your coverage remains current and relevant.

• Review your policy annually with your insurance agent to discuss any changes in your business or property.
• Consider increasing coverage limits to account for inflation and property improvements.
• Review endorsements and riders to ensure they align with your current needs.
• Be proactive about reporting any changes to your property or business operations to your insurer.

Alternative Dispute Resolution Methods

When your commercial property insurance claim denial leaves you feeling frustrated and stuck, exploring alternative dispute resolution (ADR) methods can be a crucial next step. ADR offers less expensive and often faster solutions compared to traditional litigation, providing a path towards a fair settlement without the complexities and costs of a full-blown lawsuit. These methods focus on collaborative problem-solving rather than adversarial conflict.ADR encompasses several approaches, each with its own strengths and weaknesses.

Understanding these differences will help you choose the best strategy for your situation.

Mediation

Mediation involves a neutral third party, the mediator, who facilitates communication and negotiation between you and your insurance company. The mediator doesn’t make decisions; instead, they guide the discussion, helping both sides identify common ground and reach a mutually agreeable settlement. Mediation is generally less formal than arbitration or litigation, allowing for a more flexible and collaborative approach.

Arbitration

Arbitration is a more formal process than mediation. A neutral arbitrator hears evidence and arguments from both sides and then makes a binding decision. This decision is usually final and enforceable in court, similar to a court judgment. While arbitration offers a quicker resolution than litigation, it lacks the flexibility of mediation and involves more structured procedures.

Litigation

Litigation, or going to court, is the most formal and adversarial approach. It involves presenting your case before a judge or jury, who will ultimately decide the outcome. Litigation is typically the most expensive and time-consuming option, with significant legal fees and potential delays.

Comparison of ADR Methods

Method	Formality	Cost	Time	Decision-Maker	Binding?
Mediation	Informal	Low	Short	Parties	No (unless agreement reached)
Arbitration	Formal	Moderate	Moderate	Arbitrator	Yes
Litigation	Very Formal	High	Long	Judge/Jury	Yes

Examples of Successful ADR Outcomes

A small business owner whose claim for fire damage was initially denied successfully used mediation to reach a settlement that covered the majority of their losses. The mediator helped both sides understand each other’s perspectives, leading to a compromise that avoided costly litigation. In another instance, a restaurant owner whose business interruption claim was disputed opted for arbitration. The arbitrator, after reviewing evidence presented by both parties, ruled in favor of the restaurant owner, awarding a significant sum for lost revenue.

These examples highlight how ADR can lead to positive resolutions, even in complex insurance disputes.

Last Word

So, your commercial property insurance denied your claim? Don’t panic! While the process can be frustrating, you’re not alone, and you have options. By understanding your policy, gathering strong evidence, and knowing when to seek professional help, you can significantly increase your chances of a successful resolution. Remember, persistence pays off, and protecting your business is worth the effort. Don’t hesitate to reach out for help – you’ve got this!

FAQ Overview

What if I can’t find my insurance policy?

Contact your insurance company immediately. They should have a copy on file and can provide you with a replacement.

Can I get a lawyer before I even try to negotiate?

You can, but it’s often more cost-effective to try negotiating first. A lawyer becomes more valuable if negotiations fail.

How long does the appeals process usually take?

It varies widely depending on the insurance company and the complexity of your claim. It could take weeks or even months.

What if my insurance company won’t respond to my requests?

Document all attempts to contact them. This documentation will be crucial if you need to escalate the matter to a regulatory agency or lawyer.