Yes, you can submit more proof following a claim denial, and doing so can dramatically increase your chances of having the refusal reversed. Insurance companies decline claims for a variety of reasons, including inadequate evidence, policy exclusions, and clerical errors. When your claim is refused, the insurance company will normally send you a letter stating why. At this point, you can contest the denial by providing more information and evidence to back up your claim.
The first step is to properly analyze the denial letter and determine why your claim was refused. Denials can occur as a result of missing or inadequate documentation, such as a lack of proof of damages or a failure to meet specific policy standards. By pinpointing the exact grounds for the refusal, you can acquire the appropriate evidence to support your argument.
Next, gather any other evidence that could be useful. A homeowner's claim may include images or videos of the damage, repair quotes from contractors, invoices for repairs or replacements, and expert assessments that can prove the cause or amount of the harm. If your claim includes a medical injury, further proof could include medical records, bills, or a statement from a healthcare practitioner.
After obtaining this information, resubmit your claim with the updated documents attached. It is critical to provide a clear explanation of how this material supports your claim and addresses the grounds for the initial denial. Ensure that all documentation is structured and presented on time, as many insurance companies have deadlines for submitting additional evidence following a refusal.
If the insurance company still declines your claim after reviewing the new information, you can file an appeal. Many insurance contracts have a formal appeals mechanism in which policyholders can challenge refused claims. During the appeal, the insurer will analyze the additional evidence and may have another adjuster review the case.
If submitting additional evidence does not result in a favorable decision, you may wish to visit a public adjuster or an attorney. Public adjusters can negotiate with the insurer on your behalf, while an attorney can provide legal counsel if you believe the rejection was unlawful or made in bad faith.
To summarize, adding new evidence following a claim denial can increase your chances of having the claim authorized, as long as the evidence addresses the insurer's grounds for denial and enhances your case.