How to Get Your Insurance Company to Pay After a Denied Claim
- Move Your Biz
- Nov 20
- 2 min read
A denied insurance claim isn’t the end of the road. Learn 5 steps to fight back and recover what you’re owed under California law — with legal help from Geraci LLP.
How to Get Your Insurance Company to Pay After a Denied Claim
By Jasmine Daya, Esq. – Geraci LLP
If your insurance company has denied your claim — or simply refused to move forward — you may feel powerless. But the truth is, you’re far from out of options.
California law provides strong protections for property owners facing bad-faith or wrongful denials. Here’s a 5-step guide to getting your insurer to pay what they owe.
Request a written explanation: Ask your insurer for a detailed, written breakdown of why your claim was denied. This is your starting point for analysis and may reveal where they’re wrong on the facts or policy interpretation.
Re-read your full policy: Don’t rely on the insurer’s reading of your coverage. Many denials rely on obscure clauses, misinterpreted exclusions, or outright errors. If you don’t understand the policy, let a legal team like Geraci LLP help you decode it.
Gather all damage evidence: Photos, estimates, adjuster reports, and third-party evaluations matter. If the insurer claims your damage was “pre-existing,” your documentation can refute that — especially if tied to a specific wildfire, storm, or known event.
File a formal appeal or demand letter: A professional, legally sound demand letter may push your insurer to reopen your claim — especially if they know you're working with counsel. Insurers often deny claims hoping you’ll simply walk away.
Take legal action if necessary: If all else fails, California law allows you to file suit against an insurer for breach of contract or bad faith. Geraci LLP handles these cases on contingency, meaning we don’t get paid unless you win.
Don’t leave money on the table
Insurers bet that you won’t fight back. But you can — and you should. If your claim has been denied, delayed, or lowballed, let us fight for the payout you deserve.
Get a free legal claim review
We’ll analyze your denial letter, policy language, and claim history — and tell you what the insurer won’t. Book your free consultation now.
Comments