Your claim was denied. That doesn't mean it's over.
Organize your documents, understand why your insurer said no, and build a real appeal — in plain language, on your own timeline.
TheyDeniedMyClaim.com provides educational information only and does not provide legal, medical, or financial advice.
Water Damage Claim
Claim #HO-88213
Your denial cites a “gradual damage” exclusion — a plumber's report establishing a sudden failure could directly address this.
Missing: plumber inspection report, photos of point of origin.
After appeal
Appeal in ProgressThree things insurers don't make easy
Understand your denial
Upload your denial letter and claim documents, and the AI Claim Compass explains what happened in plain language — no more guessing what a policy exclusion actually means.
Keep everything in one place
Every document, deadline, and status change lives on one timeline per claim — securely stored and virus-scanned before it ever gets near your files.
Build your appeal
Generate a formal appeal draft grounded in your actual claim and documents, ready for you to review, edit, and send — never fabricated policy details.
How it works
Create your account
Free to start — no credit card required.
Add your claim
Upload your denial letter and any supporting documents.
Get an AI-powered review
See a plain-language summary, what might be missing, and recommended next steps.
Draft and send your appeal
Generate a letter grounded in your claim, then edit it and send it your way.
Built for every kind of claim
Whatever your denial letter is about, it starts the same way: upload it and see what it actually says.
Your documents, handled carefully
Every upload is scanned before it's stored, and access is restricted to you — and anyone you explicitly invite to a specific claim. We're not a law firm and we don't provide legal advice; we help you organize the facts and put your best case forward.