How to Appeal a Denied or Underpaid Insurance Claim
Last updated August 2026
Who this is for
People with a denied claim, a lowball settlement offer, or a claim that's stalled.
What you'll actually do
- Understand exactly what your policy covers and excludes
- Organize the evidence that supports your claim's real value
- Draft an effective appeal or demand letter
- Track your state's claim-response deadlines
- Know when a public adjuster or attorney's cut is worth it
Why not just hire someone
Public adjusters typically take 10-20% of your payout - on top of what you already lost.
Frequently asked questions
What can I do if my insurance claim is denied?
Start by requesting the specific policy language the denial is based on, then build a written appeal addressing that language directly with your own documentation and evidence - many denials are reversed at this stage.
How long does an insurer have to respond to my claim?
Most states set specific deadlines for insurers to acknowledge, investigate, and pay or deny a claim, though the exact timeline varies by state and claim type - tracking yours is one of the most overlooked parts of getting a fair outcome.
Do I need a public adjuster or attorney for a denied claim?
Not always - many appeals succeed with a well-documented demand letter alone. Bringing in paid help tends to make more sense once a claim is large, complex, or the insurer isn't responding to a reasonable appeal.
What should a demand letter to my insurer include?
A clear statement of what you're owed and why, tied directly to your policy language, along with the evidence supporting your claim's value - photos, estimates, receipts, and a specific response deadline.
3Stone Counsel walks through this exact process with you - screened for your specific situation, not generic advice.
Try it free →