What can an insured do if they believe their claim has been unfairly denied?

Filing a complaint with the insurance company is an appropriate action for an insured who believes their claim has been unfairly denied. This process allows the insured to communicate their concerns formally to the insurer, prompting them to review the denial. Most insurance companies have procedures in place for handling complaints and claims disputes, and this step is often required before any further action can be taken, such as requesting an independent review or pursuing legal avenues.

This approach provides a structured way to address the issue and may lead to a resolution without escalating to more serious legal measures. It also indicates to the insurance company that the insured is serious about contesting the decision, which might expedite a reevaluation of the claim. Therefore, initiating a complaint is often a necessary first step in addressing grievances with insurance claims.