Claim Denied — But It May Not Be Final

Your claim was denied.
Find out if they're wrong.

Insurance companies deny valid claims every day — counting on policyholders not knowing their rights. CoverCheck reads your actual policy and tells you if the denial holds up, or if you have grounds to appeal.

Analyze My DenialFree verdict · From $9 for full analysis

Money-Back Guarantee

If we say your claim is covered and your appeal is still rejected, you get a full refund. We stand behind our analysis.

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Hundreds of denials analyzed
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Why insurers deny — and why they're often wrong

Claim denials frequently rely on vague policy language, misapplied exclusions, or missing context. A policy-level analysis changes the odds.

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Misapplied exclusions

Insurers often cite exclusions that don't actually apply to your incident. CoverCheck maps the exact policy language to your claim facts.

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Vague denial letters

Many denial letters are intentionally vague. We find the specific clause they should be citing — and whether it actually supports their decision.

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Appeal ammunition

If you have grounds to appeal, we give you the exact policy citations and arguments to use in your appeal letter — not generic advice.

How it works

1

Describe the denial

Tell us when the incident happened, what type of damage, and the ballpark value. Takes 60 seconds.

2

Upload your policy

Upload your insurance policy PDF. Our AI reads every clause, exclusion, and definition — not just the summary.

3

Get your appeal analysis

Receive a verdict with specific policy citations, the strength of the denial, and your best path to overturn it.

We guarantee our analysis

If our paid analysis says your claim is likely covered — and your insurer still rejects it after you file — you get a full refund. No questions asked, no loops to jump through.

We say "likely covered" → you appeal → insurer still rejects → we refund you

Submit your refund request within 30 days of the final rejection

Applies to all paid analyses with a "Likely Covered" verdict

Does not apply to "Uncertain" or "Likely Not Covered" verdicts

Full guarantee terms in our Terms of Service §5.

Common questions

My claim was denied months ago — is it too late?+
Most insurers allow 180 days or more to appeal a denial. Upload your policy and denial letter and we will tell you where you stand, including any appeal deadlines we find in your policy.
What if I no longer have the denial letter?+
You can request a copy from your insurer at any time — they are required to provide it. For the analysis, you primarily need your policy document; the denial letter adds context but is not strictly required.
Does this work for any type of insurance?+
CoverCheck is optimized for homeowners insurance, renters insurance, and property/casualty policies. Water damage, fire, theft, wind damage, vandalism — all standard property claims.
Will CoverCheck file the appeal for me?+
No — we are an analysis service, not a law firm or claims adjuster. We give you the analysis and the specific policy language to use. You file the appeal yourself, or share it with a public adjuster.
How is this different from calling my insurer?+
Your insurer's claims team works for the insurer. CoverCheck works from your policy document and your facts alone — we have no financial interest in the outcome except your satisfaction.

Don't accept a denial as final.

Know in minutes whether the denial holds up. Start free, get the full analysis from $9.

Money-back guarantee if we're wrong.

Analyze My Denial