If your insurance claim has been denied, you’re not alone—and you’re not out of options. At McLaurin Law, we regularly help clients who’ve had their legitimate property damage claims denied. Here’s what you should do next to protect your rights and possibly turn that “no” into a “yes.”
1. Gather and Document Everything
Start by collecting every piece of documentation related to your claim. This includes emails, letters, estimates, adjuster reports, and photos of the damage. Keep a detailed record of your communications with the insurance company. If their denial wasn’t provided in writing, request that they do so. That alone can sometimes cause the insurer to reconsider.
2. Bring in Independent Experts
Once you have the insurer’s response, it’s time to get a second opinion. Hire a trusted estimator, engineer, or contractor to assess the damage from an independent perspective. Their report can provide the solid foundation you need to challenge the denial.
3. Request a Reinspection or Submit a Supplemental Claim
Armed with fresh evidence and expert evaluations, you can submit a supplemental claim or request a reinspection. Sometimes, you simply got an adjuster on a bad day—getting another set of eyes on your property can yield a very different result. We’ve seen cases where one adjuster offered $100,000, and another offered $330,000 for the same damage.
4. Contact McLaurin Law
Don’t try to handle this alone. If your claim has been denied, call McLaurin Law. We know how to deal with insurance companies, and your consultation is completely free. Even if you don’t hire us, we’ll guide you in the right direction. Let us help you get what you’re owed.
