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Posted By: Jeff O

Tony, if your insurance carrier actually denied your claim without providing you a reason in writing, they may have acted contrary to the laws in the state in which you live (or in which the loss occurred).

A large number of states (if not all) require that such a denial be made in writing. They also often require that an insurance carrier provide you a written letter (often referred to as a Reservation of Rights letter) on a specified interval if they are investigating your first party claim.

If what you allege is true, you can utilize your state's Department of Insurance to assist you or hire an attorney to represent your interests.

Jeff