DENIED CLAIM? HOW TO APPEAL A PROPERTY INSURANCE DECISION
Receiving a denial from your insurance company after a major property loss can feel like a second disaster. You’ve paid your premiums and acted in good faith—only to be told you’re not covered. Unfortunately, claim denials are common in Michigan, especially when documentation is incomplete or insurers misinterpret policy language. But a denial is not the end of your story. With the right steps—and the right support—you can fight back and win. Here’s how to properly appeal a denied property insurance claim and protect your right to a fair recovery.
How Our Attorneys Handle Your Appeal
A claim denial can feel like a second disaster—but it isn’t final. Our firm has decades of history of overturning denials by taking the pressure off policyholders and putting it squarely on insurers. Below is the proven strategy our attorneys use to transform a “No” into the funds you need.
Step 1: Let Us Pinpoint Why the Insurer Said “No”
Your denial letter lists the carrier’s reasons—often vague or misapplied. Our Michigan property-insurance attorneys dissect that letter line-by-line, expose every weakness, and craft the counter-arguments insurers fear.
Want to see common denial tactics? Read 5 Common Reasons Michigan Property Insurance Claims May Be Denied.
Step 2: Move Fast—Appeal Deadlines Are Short
Many policies impose strict timelines for appeal windows. We recommend you contact us immediately and we take your case, we will preserve your rights, notify the carrier, and stop the clock while we build your strongest case.
Step 3: We Assemble the Evidence Insurers Can’t Ignore
From on-site inspections to expert reports and detailed photo inventories, our firm handles every detail. Insurers stop pleading “insufficient proof” when they receive our organized evidence package.
See exactly how professional documentation works in Properly Documenting Your Property Damage.
Step 4: Strategic Pressure—Appeal, Appraisal, or Litigation
- Formal Appeal: We draft a point-by-point rebuttal, attach ironclad evidence, and demand reversal.
- Appraisal: When value is disputed, we invoke your policy’s appraisal clause and supply an independent appraiser—learn more about tough insurer tactics in What Happens if Insurance Doesn’t Want to Settle in Michigan?
We deploy these tactics every day. Because we practice exclusively in property-insurance law, we know which lever moves a reluctant insurer fastest—and we never forget the human side. We fight as if the loss were our own.
If negotiations stall, we apply targeted legal pressure—whether through formal appraisal, aggressive discovery, or swiftly filing suit—to compel the insurer to do the right thing.