How do I appeal an insurance claim denial?

Review the denial letter for the specific reason and policy language cited. Gather additional evidence that supports your claim, including photos, contractor estimates, and expert opinions. Write a formal appeal letter referencing your policy language and explaining why the denial should be overturned. Submit all documentation to your insurer's appeals department. If the internal appeal is denied, file a complaint with your state's insurance department. Many states have a consumer assistance program that can help negotiate on your behalf.