Insurance Claim Denial Appeal Letter That Got My $8,000 Claim Approved

Insurance companies deny claims hoping you will give up. I wrote this appeal letter after GEICO denied my claim and got it overturned. The key sections: 1. Reference your policy number and the specific denial letter. 2. Quote the exact policy language that the adjuster used to deny your claim. 3. Explain why that policy language does not apply to your situation, citing specific exclusions or conditions. 4. Include new evidence that was not available during the initial review. 5. Mention that you are willing to have the claim reviewed by an independent adjuster or your state insurance commissioner. The most powerful sentence: "Please provide the specific policy language that supports this denial so I can share it with the Department of Insurance." This sentence has gotten denials overturned twice.