Make an Appeal: Denied Property Insurance Claims

No-Nonsense Guide to Turning Rejection into Victory

Got a big, fat “denied” stamp on your insurance claim? Ouch—we know how much that hurts. A denial isn’t the end of the road—it’s just a detour. If you’re ready to file an appeal for your denial, it’s time to roll up your sleeves, gather your facts, and call the Premier Claims team to tackle the appeal process head-on.

Step 1: Get to the Bottom of Why Your Claim Was Denied

First, understand why you can appeal your denied insurance claim. Your insurance carrier will send you a formal denial letter explaining their reasons. The terms could be straightforward, like missing documentation or a policy exclusion, but sometimes, they’re more complicated.

Review the Denial Letter Thoroughly

Compare the reasons in the letter with the terms of your policy. Does the denial align with your understanding of your coverage? 

Discuss the Denial

Contact your claims adjuster or agent if the explanation doesn’t add up. Sometimes, a simple conversation can clear up misunderstandings. 

If the letter looks like it’s written in a foreign language, Premier Claims is here to help. Our team will break down the fine print and help you understand your policy and the so-called reasons for denial.

Step 2: Gather Your Evidence Like a Pro

Once you understand why your claim was denied, it’s time to build your case. This step is all about showing your insurance carrier why they got it wrong. You’ll need:

Proper Documentation

Collect all the paperwork tied to your claim—damage photos, repair estimates, and correspondence with the insurer. If you have photos of your property before the damage occurred, make sure to include them! 

The key here is thorough documentation. The more compelling your evidence, the harder it is for the insurer to stick to their denial. 

Step 3: File a Formal Appeal

If a friendly conversation with your insurance carrier doesn’t lead to a resolution, it’s time to file a formal appeal. Your insurance policy will outline the specific appeals process, including any deadlines. Don’t miss these—once the window closes, so does your chance to appeal.

Write an Effective Appeal Letter

Address the reasons for the denial directly and back up your argument with the evidence you’ve gathered. Make sure everything is organized and easy to follow. 

Stay Professional

This is all about facts, not feelings. Keep the tone professional, and let your evidence do the talking. 

Do you want your appeal letter to be as effective as possible? Premier Claims can take this task off your hands, writing a clear and compelling appeal intended to increase your chances of success. 

Step 4: Get a Public Adjuster on Your Team

Here’s where things can start to turn in your favor. A licensed public adjuster, like those at Premier Claims, can make a world of difference. They understand the ins and outs of property insurance claims and know how to best get results. 

Why You Need a Public Adjuster

Public adjusters work for you—not the insurance carrier. They’ll review your policy, document and value your losses, and negotiate your settlement on your behalf. 

Timing is Key

The sooner you get a public adjuster involved, the better. They can help strengthen your case and handle the tough conversations with your carrier. To learn more about when to get a Public Adjuster involved in your claim, read our blog: https://premier-claims.com/blog/when-to-hire-public-adjuster/

Don’t wait until your appeal is denied before calling for backup. Getting our team involved early can turn the tide in your favor before things get messy. 

Step 5: Consider Filing a Complaint or Taking Legal Action

If you’re still not getting anywhere, you may need to escalate the situation. Filing a complaint with your state’s insurance commissioner is one option. If things have really gone south, you might consider legal action. 

Filing a Complaint

Insurance regulations govern the industry. If you believe the insurer treated you unfairly, submit a formal complaint to your state’s regulatory body, which can sometimes push the insurer to reconsider.

Legal Action

In some cases, hiring a lawyer who specializes in insurance disputes may be necessary. This can be costly and time-consuming, but sometimes, it’s the only way to get what you’re owed. 

If you’ve reached this stage, Premier Claims can still help. We can connect you with trusted legal experts who know how to handle property insurance disputes and fight for your rights. 

Don’t Go It Alone

Appealing a denied insurance claim can feel like an uphill battle, but you don’t have to go through it alone. Working with experts like Premier Claims can significantly increase your chances of success. We’ve helped countless clients turn denials into approvals, and we’re ready to do the same for you. 

Need help with your appeal? Contact Premier Claims today!

Would You Work for Free? Why We Take a Fee

Imagine yourself walking into a courtroom. Let’s say you’ve been sued by a disgruntled employee alleging you unlawfully fired them. Unfortunately, their lawyer is very good at making the judge believe that they were the victim of workplace abuse. Despite documentation that clearly demonstrates their poor performance as an employee—including unexcused absences, frequently missed deadlines, and complaints from other employees regarding their conduct—you opted to represent yourself to forgo additional legal fees. Without legal representation, you fail to introduce evidence of poor workmanship in your defense, and you overlook any viable objections.

Now ask yourself: Was saving the initial expense of a lawyer lucrative, even with the knowledge that if you lose, it will cost you more money? This hypothetical scenario paints a picture of a level of risk comparable to the risk of filing a large loss insurance claim without a public adjuster

With the involvement of a public adjuster, a claim settles for more, which means more money for you to restore your property to its former glory. Without our assistance, your settlement could be lower, resulting in a lower payout of the claim as a whole. 

Do You Know Your Worth?

In 2022, Hurricane Ian swept through the Florida coast, destroying homes, businesses, and livelihoods. Bacon’s Furniture in Port Charlotte, Florida, experienced a total building and inventory loss due to the high winds. The hurricane pulled off the roof down to the plywood, leaving bits of the roof sprinkled among the rubble.

As a furniture store, the inside of the building contained dining room chairs that no one would ever use for a Thanksgiving meal, couches, and armchairs that would never spark sibling rivalry during family movie night, and beds that would never receive praise for giving their owners the best sleep of their lives.

The financial loss would cost Bacon millions, but their carrier’s initial offer was only slightly over two million dollars. Enter Premier Claims. 

Our experts did a thorough inspection of the damage outside of the building, as well as the torn and broken furniture inside. After multiple negotiations, inspections with a handful of experts, and hiring a Business Personal Property (BPP) company to do a full inventory of the damaged furniture, we got Bacon’s carrier to release over thirteen million dollars. 

Don’t Settle For Less

Bacon could have settled and accepted the two million, but it wouldn’t have covered the entirety of the cost for the damage and loss of inventory sustained by the store. By retaining Premier Claims, Bacon’s Furniture benefited significantly from higher payouts, even with Premier’s added fee expenses. 

At Premier Claims, we understand the importance of transparency and trust. Our fee structure varies depending on the state and the specifics of the claim. In some cases, fees are billed hourly, while in others, they are contingent on the successful resolution of your claim. Rest assured that we’re committed to advocating for your best interests and aim to maximize the potential of your claim. We’re here to provide the support and expertise you need, tailored to your situation. 

Empower Yourself with Premier Claims

Don’t let concerns about our fee overshadow the significant benefits of partnering with Premier Claims. With our full team of experts on your side, you can navigate the claims process confidently, knowing that you have dedicated advocates fighting for your rights under your policy. Contact us today to learn more about how we can help secure the compensation you deserve.

Why Your Contractor Can’t Handle Your Insurance Claim

Your Decisions Could Cost You

You’ve just discovered extensive damage to your property, and your first instinct is to call your trusted contractor. They’ve always done a great job with repairs, so why not rely on them to handle the insurance claim too? Before you make that decision, consider this: entrusting your claim solely to your contractor could lead to unexpected complications and potentially costly consequences.

The Potential Risk You’re Unaware Of

Did you know that it’s illegal in most states for contractors to represent themselves as public adjusters? This distinction is crucial because, generally, handling insurance claims requires specific licensing and expertise. By relying on an unqualified individual, you’re risking the outcome of your claim and potentially facing legal repercussions. Imagine the added stress of legal battles on top of property damage. 

Expertise vs. Qualifications

Sure, your contractor might excel at repairs, but do they have in-depth knowledge of insurance policies and negotiation strategies? Public adjusters undergo extensive training and licensing precisely for these reasons. They know the ins and outs of the insurance claim process, always trying to ensure that your claim is accurately documented. Trusting someone without the right qualifications is like navigating a minefield blindfolded. 

The Power of Collaboration

Instead of choosing between your contractor and a public adjuster, why not have both working for you? At Premier Claims, we collaborate closely with your contractor to try to achieve the best outcome for you. Your contractor focuses on restoring your property while our team advocates for your best interests and negotiates with your insurance carrier. This partnership is intended to ensure that every aspect of your claim and restoration process is handled with expertise and care, creating a win-win situation for you.

Take Control of Your Claim

Don’t gamble on your property’s ability to be fully restored. Take control of the situation by contacting Premier Claims today. Our team of licensed public adjusters is here to help you navigate the complex claims process, fight for the best settlement, and restore your peace of mind. Don’t wait until it’s too late- ensure your claim gets the attention it deserves from the people who are qualified to do it.

Insurance Carrier Collaboration Expedited Claim Process

Million Oaks Condominium Association

Kenner, Louisiana
Hurricane Ida
August 2021


In the devastating aftermath of Hurricane Ida, the insurance carrier relied heavily on our expertise right from the start of the claim process. This collaboration showcased the mutual respect between the insurance carrier and our public adjusting team, all in the interest of expediting the claim for the policyholder. Recognizing the extensive damage, we assisted residents with their individual claims and coordinated both inspections and repairs for their units. Ultimately, we secured coverage up to the policy limits for the Condo Association and offered complimentary consultation services to residents, helping them recover their losses.


Insurance Carrier Offer: N/A

Premier Claims Settlement: $1,011,000