Your Insurance Claim Was Denied. Now What?
A denial letter is not the end of your claim. It is one company's opinion, written by the company that has to pay. Denials get reversed every week, and most of them get reversed because somebody put real evidence in front of the carrier instead of an argument.
Bellator Claims Resolution are licensed public adjusters. Send us the denial letter and your policy and we will tell you, at no cost, whether the denial holds up.
Read the Denial Letter Carefully
A proper denial has to say which policy language the carrier is relying on. That one detail tells you what the fight is really about:
- Not a covered cause of loss. The carrier says something other than the storm did it.
- Wear, tear, deterioration or age. The most common roof denial in Colorado.
- Late reporting. You did not notify them soon enough, they say.
- Under the deductible. Often driven by a short scope, not a small loss.
- Excluded peril. Flood, earth movement, mold, faulty workmanship.
- Failure to mitigate. They claim you let damage get worse.
- Misrepresentation. The serious one. Do not respond to this alone.
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Why Denials Get Reversed
In our experience most denials rest on a thin record rather than a real policy defense. The file often contains a single inspection, a handful of photos, and a conclusion. When we rebuild the file properly, the conclusion frequently does not survive.
- Storm date and intensity documented from weather data, not memory.
- A full inspection of every elevation and slope, not a spot check.
- Photographs and measurements that show damage consistent with the reported cause.
- Engineering or trade opinions where the cause is genuinely in dispute.
- Policy language read in full, including endorsements the adjuster skipped.
- A written rebuttal that answers the carrier's stated reason point by point.
What Not To Do
- Do not throw the letter away and move on. You paid for this coverage.
- Do not tear off the damage before it is documented.
- Do not give a recorded statement without understanding what is being asked.
- Do not wait. Policies contain a suit limitation period, and it runs whether or not you are still arguing.
How We Reopen a Denied Claim
- We read the policy, the denial letter and the carrier's file.
- We re-inspect the property and build a full scope of damage.
- We assemble the evidence that addresses the stated reason for denial.
- We submit a written rebuttal and a supported estimate.
- We negotiate. If coverage is agreed but the amount is not, appraisal may resolve it.
A closed claim is not a dead claim. We reopen files that were closed months and sometimes years ago.
What It Costs
Nothing up front, and nothing at all unless we recover money for you. Related: underpaid claims, commercial claims.
Send Us the Denial Letter
Call 720-707-3577 in Colorado or 307-206-8711 in Wyoming. We will tell you straight whether you have a case.
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