Fighting denied claims and appeals
i honestly dont know what to do anymore. i filed a water damage claim back in january after a pipe burst and soaked my basement. first they said "gradual damage not covered." i appealed with...
My basement flooded after a pipe in the wall slowly leaked over time. Didn't notice until the drywall was already destroyed. Filed with State Farm and they came back with a denial citing "gradual...
My health insurer denied a claim for a procedure my doctor ordered. I filed the first-level internal appeal three weeks ago and havent heard anything. Their letter said they have 30 days to respond...
I filed a homeowner's claim for storm damage 10 days ago. The roof is visibly damaged - two neighbors on my street have already had their claims approved and are getting new roofs. My adjuster came...
Back in November my insurance denied coverage for a spinal procedure my doctor had been pushing for since August. The denial said it was "not medically necessary" which was insane because I'd already...
I am absolutely livid right now. We had a major hailstorm roll through on March 28th - my neighbor's car has dents all over it, two other houses on my street are getting full roof replacements, and my...
I woke up on a Saturday morning in February to water pouring through my kitchen ceiling. A pipe in the wall had burst overnight from the cold - we had a temperature drop to 9 degrees. By the time a...
My insurance just denied an MRI my doctor ordered after i had persistent back pain for three months. The denial letter says it wasn't "medically necessary" even though my doctor literally wrote a...
I am so confused and angry right now. My doctor ordered an MRI for my knee back in February. I called my insurance, they said it was approved, gave me an auth number, everything. Had the MRI done at...
My homeowner's claim has been sitting at "under review" for going on 6 weeks. Every time I call they just say it's still being reviewed and someone will be in touch. I had a pipe burst in January and...
So my homeowners claim for water damage got denied last week and i honestly don't know what to do. Filed it back in February after a pipe burst in the wall behind our bathroom. The adjuster came out,...
I filed a homeowners claim back in September after a pipe burst in my basement. The damage is real - we have a contractor estimate for $27,000 and about $6,000 in personal property losses. I submitted...
I filed a claim back in November for water damage from a burst pipe. My insurer denied it, said it was "gradual damage" even though the pipe literally burst overnight. I appealed with photos, a...
I've been fighting my health insurance for 8 months over a surgery they called "not medically necessary." We're talking $34,000 out of pocket if I lose. I just got the final determination back and...
I filed a claim back in November for water damage from a burst pipe. My insurer denied it, said it was "gradual damage" even though the pipe literally burst overnight. I appealed with photos, a...
Filed a water damage claim in 2024 and a theft claim this year. Now my insurance company is non-renewing my policy saying "excessive claims history." Two claims in 3 years is excessive? Am I not...
Got my homeowners renewal notice. Premium went from $1,800/year to $2,520. A 40% increase. I have NEVER filed a claim. Not once in 12 years. Called my agent and she said "its market conditions,...
We had a major hailstorm last month that tore up our roof. Filed a claim, adjuster came out, and now theyre saying the damage was "pre-existing wear and tear." The roof is only 8 years old and was in...
Got a denial letter today saying the water damage to my basement was pre-existing. I bought this house 8 months ago and the home inspection was clean. How do i prove damage happened AFTER i bought the...
Been paying premiums for 15 years. Never filed a claim. Finally need to use my insurance and they deny it for some technicality in the policy language. Whats even the point of having insurance if they...