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Insurance Denial
Your insurance claim was denied. Find out if that's the final answer.
Insurance denials are common — and they're often wrong or appealable. Attorly reads the denial letter, identifies the reason they gave, and helps you understand whether you have grounds to push back.
Review this denialNot legal advice: This page explains, in plain language, how a legal document typically works. It is general information — not legal advice about your specific situation. If the stakes are meaningful, or a deadline is close, speak with a licensed lawyer before relying on anything you read here.
A denied claim isn't the end
An insurance claim denial is a decision made by an adjuster, based on a specific interpretation of your policy. It's not a neutral ruling. Industry studies consistently show meaningful portions of denied claims get reversed on appeal — especially when the appeal identifies the exact policy language the denial misapplied.
The denial letter will cite a reason. That reason is the target. Your job (or Attorly's) is to match the cited reason against the actual policy language and the facts of your loss, and show where the denial's interpretation doesn't hold up.
Attorly reads the denial letter and the policy together, flags every discrepancy, and drafts the backbone of an appeal — or tells you honestly when an appeal won't succeed and you should move on.
How it works
Get clarity on any legal document in three steps
Step 1
Upload your document
Drag in a PDF, Word file, or image scan. Any format, any language.
Step 2
Attorly analyzes it
Multiple AI models review your document independently — flagging risks, extracting deadlines, and identifying obligations and key terms. Independent review means nothing gets missed.
Step 3
Know exactly what to do
More than a summary — Attorly gives you a clear action plan: what matters, what to do about it, and in what order. Handle it yourself or bring a lawyer in fully prepared.
What Attorly finds in an insurance denial
We find the reason, check the policy, and map out your options.
The stated reason for denial
Exactly what the insurer says is the basis for rejecting your claim — and whether that reason is clearly stated or vague.
The policy clause they relied on
Which exclusion, limitation, or condition in your policy they used to justify the denial — pulled out and explained in plain language.
Whether the denial seems consistent with your policy
Attorly compares the stated reason against what your policy actually says to flag cases where the insurer's interpretation looks questionable.
Your appeal rights and deadline
Most policies and regulations require insurers to explain your appeal rights. Attorly surfaces the deadline and process you need to know.
Evidence that might support an appeal
Based on the denial reason, Attorly helps you understand what additional documentation or arguments could strengthen a challenge.
Bad-faith indicators
Unreasonable delay, cherry-picked evidence, refusal to explain the denial, or misstated policy language. Attorly flags denial patterns that suggest bad-faith handling and may support a separate claim.
Statute of limitations for suit
If you need to sue, the clock is usually the shorter of the policy's suit-limitation provision (often 1-2 years) and the jurisdiction's general statute. Attorly calculates the earliest of the two.
Your appeal roadmap
Insurance appeals have tight deadlines. Start today.
- 1
Upload to Attorly — know where you stand
Before you react, respond, or call anyone — start here. Upload the document and multiple AI models review it independently: claims, deadlines, risks, obligations, and your realistic options. In minutes you have a clear action plan. Most people find they can handle more than they expected — and if you do need a lawyer, you'll walk in fully prepared.
- 2
Save the denial letter and the full policy
Not just the declarations page — the full policy, endorsements, and any amendments. Without the full text, you cannot argue the denial is wrong.
- 3
Identify the exact clause cited in the denial
Most denials reference a specific exclusion or limitation. Attorly extracts the clause, the denial's interpretation, and an alternative reading that supports your claim.
- 4
Gather evidence that contradicts the denial
Photos, invoices, medical records, witness statements, expert estimates. A strong appeal leads with documentation, not narrative.
- 5
File the internal appeal within the deadline
Most policies require a written appeal within 30-180 days. Miss the window and most jurisdictions let the insurer refuse to reopen. Attorly puts the deadline on your timeline and drafts the appeal letter.
- 6
Know when to escalate externally
If the internal appeal fails, options include: state insurance commissioner complaint, bad-faith litigation, or small claims for the underpaid amount. Attorly tells you which of these has the best odds for your claim type.
Common questions about insurance denials
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Upload the denial letter and understand exactly why your claim was rejected — and what you can do about it.
Review my denial letter