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Insurance Claim Denied? You Deserve Answers

Insurance Claim Denied? You Deserve Answers

Ever filed an insurance claim, only to have it denied with little explanation? This can be frustrating, leaving you unsure of what went wrong and how to proceed. The good news is, in most cases, your insurer is legally required to be transparent about their decision.

It is important that insurance adjusters explain claim denials. Here’s why it matters:

  • Transparency Builds Trust: Being clear about why a claim is denied fosters a better relationship between insurer and policyholder.
  • Accountability in Action: Knowing they have to justify their decisions encourages adjusters to make thorough assessments.
  • Empowering Policyholders: A clear explanation allows you to understand the reasoning behind the denial and fight it if necessary.

So, what should you expect? When your claim is denied, the adjuster should:

  • Reference specific clauses in your policy that justify the denial.
  • Provide evidence (or explain the lack of evidence) that led to their decision, and they should do so in writing.

If you receive a denial without a clear explanation, don’t hesitate to ask questions. You can also contact an insurance attorney to understand your rights and options.