If your insurance claim is denied, you still have options. Denials are not always final and can be overturned when additional evidence or policy interpretation supports your position.
Why claims are denied
- Exclusions in policy wording.
- Incomplete or inconsistent documentation.
- Late reporting or breach of policy conditions.
- Dispute over cause, value, or coverage scope.
How to respond
- Request written denial reasons and policy references.
- Submit missing documents and a timeline of events.
- Ask for internal appeal or manager review.
- Escalate to the insurer ombuds office if unresolved.
External escalation
Depending on product and province, you may escalate to complaint resolution bodies and regulators.