Free claim denial analysis — we explain why your claim was denied, identify missing evidence, and provide a complete appeal strategy to maximize your settlement.
Why Was Your Homeowners Insurance Claim Denied?
Insurance companies deny homeowners' claims for reasons including but not limited to: insufficient documentation, policy exclusions, missed filing deadlines, or attributing damage to "normal wear and tear" instead of covered perils. Understanding the specific reason your claim was denied is the first step to building a successful appeal with the right supporting evidence.
The Insurance Claim Crisis: Why You Need Expert Help
1 in 18 homeowners files an insurance claim each year—but getting paid fairly is far from guaranteed.Nearly 50% of claims filed with major insurers like USAA and Farmers are denied outright, while 30% more receive partial payments that don't cover the full cost of repairs.Translation: Only about 2 in 3 claims get paid in full. The rest are denied or underpaid—leaving homeowners to cover thousands in repair costs out of pocket.The average homeowner pays $2,000+ per year in insurance premiums—that's over $60,000-$80,000 in a lifetime. Yet when disaster strikes, insurers use AI algorithms, complex policy language, and aggressive claims adjusters to minimize payouts and protect their profits.Insurance adjusters receive bonuses and promotions based on company profitability metrics that reward minimizing claim payouts—the less they pay you, the better their performance review and year-end bonus. The adjusters who excel at denying and minimizing claims become supervisors and executives—building an industry where underpaying policyholders isn't a problem to fix, it's a skill set that gets you promoted. This is why claim denial feels systematic: because it is, reinforced at every level by leaders who perfected these tactics on their way up and demand it from the top all the way down - to you.You've paid your premiums. Now it's time to fight for what you're owed.
We Turn Your Denial Into a Winning Appeal Strategy
When your claim gets denied, the insurance company's letter uses complex policy language designed to confuse you. We decode your denial letter, identify exactly where the insurer's reasoning is weak, pinpoint missing documentation, and provide you with a step-by-step appeal strategy that addresses every gap in your original claim. Additionally, our AI algorithm successfully navigates claims that have yielded lowball settlement offers by identifying flawed logic or materially low settlement offers that equate to nothing more than "bad faith" industry practices.
How It Works: From Upload to Appeal in 5 Simple Steps
Step 1: Upload Your Documents
Submit your denial letter or initial low-ball offer, and supporting documents (damage photos, policy, estimates) through our secure form. The more documentation you provide, the more thorough our analysis.Step 2: Free Preliminary Analysis
Within 24-48 hours (turnaround time based on existing case load and claim complexity), receive a 100% risk-free comprehensive preliminary analysis via email, including our proprietary 100-point Appeal Potential Score. This assessment identifies why your claim was denied, evaluates the strength of your case, and highlights key weaknesses in the insurer's reasoning—completely free.Step 3: Review Your Appeal Potential
Your preliminary analysis includes our honest assessment of whether pursuing an appeal is worthwhile. If your case shows strong potential, you'll receive a secure payment link to access our full appeal package. If the score indicates a weak case, we'll explain why and save you time and money.Step 4: Complete Payment for Full Service
If you decide to proceed (and we recommend it based on your score), complete payment through our secure link. Our flat-fee pricing means you keep more of your settlement—no percentage fees like public adjusters or attorneys charge.Step 5: Receive Your Complete Appeal/ Counter Offer Package
Within 24 hours of payment, receive your comprehensive appeal package as a downloadable PDF, including: detailed denial analysis, customized appeal letter template, complete evidence checklist, policy language breakdown, submission strategy, and timeline recommendations. We give you everything you need to file a winning appeal or counter an inappropriately low initial settlement offer.
*Expedited Services Also Available for Claims at Risk for Statute of Limitation-Based Denials.
Their systems use advanced algorithms to evaluate claims based on strict policy interpretation and cost containment priorities. These AI tools are programmed to flag potential denial reasons, identify policy exclusions, and minimize settlement amounts wherever justifiable—which often works against legitimate claims that deserve full payment. Insurance policies themselves are written in deliberately ambiguous language, giving carriers the flexibility to interpret terms in their favor when disputes arise.
Flat Fee. No Percentage. Keep More of Your Settlement.
Public adjusters charge 10-20% of your settlement. Attorneys take 33-40% on contingency. On a $50,000 claim, that's $5,000 to $20,000 in fees—money that should be yours. Our pricing is based on case complexity, not a percentage of your settlement. Most appeal packages range from $297-$697, with complex high-value cases quoted individually. Even on larger claims where traditional services take tens of thousands in percentage fees, our flat-rate approach saves you substantial money while delivering the same expert analysis and strategy you need to win.
Transparent Pricing Based on Complexity
After reviewing your free preliminary analysis, we'll provide exact pricing based on your case's complexity. Simple, straightforward denials typically cost $297-$397. Moderate complexity cases range from $497-$697. Complex multi-peril or high-value claims are quoted individually based on the work required. No surprises, no percentage fees, no hidden costs—you'll know the exact price before committing.
Example: $50,000 ClaimPublic Adjuster Fee (15%): $7,500
Attorney Fee (33%): $16,500
Denial180 Fee: $497-$697Your Savings: $6,800 - $16,000
Trusted by the Professionals You'd Hire
Here's what insurance adjusters and attorneys don't advertise: many of them use our hybrid expert/AI analysis for their own cases, then charge you 10-40% of your settlement as their "fee." We're giving you direct access to the same tool they use—cutting out the middleman and putting thousands of dollars back in your pocket. Same analysis. Your savings.
Frequently Asked Questions
Upload your denial letter/ lowball offer and supporting documents. *Within 24 -48 hours, receive your free preliminary analysis, including our proprietary *Appeal Potential Score. Only pay if you decide to proceed with our full appeal package.
* Turnaround time dependent on existing caseload and the complexity of your case.* Our proprietary Appeal Potential Score (0-100) evaluates the strength of your case based on policy language, denial reasoning/ lowball justification, documentation quality, and precedent analysis. Scores above 70 indicate strong appeal potential. Scores below 50 suggest limited chances of reversal. This honest assessment helps you make an informed decision before investing time and money in an appeal.
© 2026 Denial180. All Rights Reserved.Denial180 provides documentation analysis and appeal strategy services to assist you in navigating the appeal process. We are not attorneys, public adjusters, or insurance agents. We do not provide legal advice, represent clients in legal matters, or negotiate with insurance companies on your behalf. No attorney-client relationship is created through the use of our services. Results are not guaranteed. For legal advice, consult a licensed attorney in your state.Contact: [email protected]