how to appeal an ins denial

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 3, 2011

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Insurance Question from Largo, FL

Asked on 11/03/2011

how to appeal an ins denial our travel trailer recieved exterior damage which lead to water damage in walls. state farm ins took excess of 6 weeks to look at the damage. they tell me the water damage occured before it was hit. i have maintained coverage on this toyhauler since purchase. if damage occured prior , i would have climed it at that time. thank you, rod cradit

Answer given on November 07, 2011

You can appeal an insurance denial.  First put you case in writing.  Sent the insurance company a letter and make your case clearly and succinctly. Explain in detail why the water damage could not have occurred before the accident and more importantly outline how you know it was caused by the accident.  Read our article on What To Do When Your Car Insurance Claim Is Denied.  This may help you navigate thru your rebuttal with the insurance company.  Also, as the article suggest, you can write to the department of insurance (DOI) for your state.  See if you can get them to move when you send a copy of their letter to the DOI.  

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