Steps to Appeal a Property Insurance Claim Denial in Colorado

Property insurance claims in Colorado can be denied for a host of reasons, and in some cases, those denials are not warranted or were done in bad faith. If you believe your claim has been wrongfully denied, you have options, including the right to appeal the decision. 

In this post, we’ll discuss some of the steps you need to take if you wish to appeal a homeowner’s insurance claim denial in Colorado. In addition to appealing outright denied claims, there are also steps you can take to dispute an underpaid claim. To do so, you’ll need to obtain a competing estimate and give the insurance company the opportunity to compare them and answer for their shortcomings.

How to Appeal an Insurance Claim Denial

If you plan to appeal a claim denial in Colorado, there are some steps you should follow to ensure the best outcome. 

First, review the denial letter. 

Included in your insurance company’s denial letter should be clear and specific reasons for denying your claim. If not, you need to ask for a detailed explanation for the denial and get it in writing. Once you know why they rejected your claim, you can start building your case for an appeal. 

Next, gather evidence.

Documentation is your friend when you need to appeal a denied homeowner’s insurance claim. Collect all relevant paperwork and evidence related to your claim. This includes photos, videos, receipts, estimates, and any correspondence with the insurance company. If necessary, get professional opinions from contractors, appraisers, or other experts to support your claim.

Consider seeking legal assistance.

At this point, you might also consider speaking with a Colorado insurance law attorney who can advise you on your legal rights and options. They have extensive experience with the appeals process in the state and can help you build the strongest case for your situation. 

Insurance appeals can be a lengthy process and they require persistence and follow-up. If you’re unsure about any part of the process, don’t hesitate to contact professionals like our experienced legal team at Kandell, Kandell & Petrie. We are here to help you get relief if your insurance company tries to deny or underpay you for your claim. Contact us today to speak to one of our Denver claims advisors to discuss your questions and concerns.