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Houston, Texas 77057
The first thing you should do is consult your attorney. They will want to see the denial letter, to discern the reason given by the insurance adjuster for the denial, as well as a copy of the policy.
Sometimes the reason for the denial is just a technical violation, something that you were supposed to do but didn’t. For example, they may have asked you to do an examination under oath and you didn’t appear for the examination; they could deny the claim for that reason. If the reason for a denial is a technicality, then you or your attorney should reach out to the insurance company to resolve the issue.
However, if the coverage is denied for a different reason, then often the only option is to pursue legal action. Before you can file a lawsuit against your insurance company, you have to send a sixty-day notice, giving them sixty days to accept and pay the claim. If they haven’t made payment within the sixty days, then you can file a lawsuit.
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