The following steps are required by the claims examiner(s) in order to initiate your appeal. We have created a form, that will help compile the information needed to submit your appeal.
Claim Appeal Request Form
-
Provide an appeal letter.
-
Tip - The appeal letter should detail why the reason for denial should be covered.
-
-
Provide supporting documentation to your reasoning for the appeal.
Once the Appeal letter and supporting documentation have been submitted, our team will review to make sure nothing additional is required to request the appeal.
Only one claim appeal can be submitted. To make sure the appeal is in your favor, below are some tips and general coverage information.
Claim Appeal Tips:
-
The Claim administrator/examiner adjudicates claims without in-person investigation. Because of this, the determination is based on the description of damage, the pictures of damage, and any vendor notes on invoices/receipts (with the assessment of the scope of repair) provided during claim submission. By being as detailed as possible with your description of damage, how it happened, and what was found, will assist the claim examiner with their claim processing.
-
To increase the probability of the claim appeal being successful, understanding and explaining the damage in the appeal letter specifically addressing the reason for denial helps. In addition, any additional supporting documents (photos, vendor statements, etc.) are helpful.
General Exclusions not covered in property protection:
-
General Maintenance (example: mechanical or electrical breakdown)
-
Excessive Cleaning or general Cleaning
-
Parties or Events
-
Damage caused by motor vehicles
-
Intentional damage
-
Guest theft
-
Wear and Tear
-
Sets or Series (only the specific damaged item is covered, replacing a pair will result in only the damaged item being covered)