Home Insurance Denial Appeal

Home Insurance Denial Appeal

October 9, 2050

CorpEdge

Claims Department

Laredo, TX 78040

Dear Claims Department,

I am writing to formally appeal the denial of my home insurance claim #789456, submitted on August 15, 2050. I received a notification on September 15, 2050, stating that my claim was denied due to “the incident being classified as wear and tear, which is not covered under the policy.” After reviewing your decision, I respectfully disagree and request a reconsideration of my claim based on the following points:

Claim Details:

  • Policy Number: HIC12345678

  • Date of Incident: August 10, 2050

  • Claim Amount: $15,000

Reason for Denial:

The denial letter indicated that my claim was rejected due to the incident being classified as wear and tear.

Arguments for Reconsideration:

  1. Coverage Clarification: According to my policy, section 3.2 states, “Any damage caused by sudden and accidental water intrusion is covered.” The incident in question was a result of a severe storm that caused water damage to my basement, which is clearly within the coverage outlined in my policy.

  2. Supporting Evidence: I have attached photographs of the damage taken on August 11, 2050, along with the repair estimate provided by ApexCorp Restoration Services, which details the necessary repairs and costs associated with the water damage.

  3. Documentation: I believe the initial denial was based on a misunderstanding. I have enclosed a letter from a licensed contractor, confirming that the damage was not due to wear and tear, but rather a direct result of the storm.

Conclusion:

Given the evidence and arguments presented above, I kindly request that you review my claim again and reconsider your initial decision. I believe that upon reevaluation, you will find that my claim is valid and should be honored in accordance with my policy terms.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at 222 555 7777 or [Your Email] should you require any further information.

Thank you for your assistance.

Sincerely,

[Your Name]


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