The denial basis
Carrier: "We need X document to establish coverage. Absent X, we deny."
Common documentation gaps
- Proof of ownership for contents
- Maintenance records
- Contractor invoices
- Policy endorsements
- Prior claim history
- Source of loss documentation
Reversing the denial
Read the denial letter carefully
- Identify exactly what's requested
- Note any deadline for submission
- Check whether proper notice was given
Gather the documentation
- Request copies from contractors, banks, previous insurers
- Photograph what you have
- Get expert reports if technical
Submit in writing
- Cover letter explaining response
- Specific document labeling
- Request reconsideration
Time frame
- Carriers must reconsider in good faith
- 627.70131 deadlines apply to reconsideration
- Don't let the request sit
When documentation doesn't exist
- Best-available documentation
- Circumstantial evidence
- Expert reconstruction
- Affidavit / sworn statement