How It Works

Three steps. No account needed. No signup.

1

Select Your State

We load your state's unfair claims settlement practices act, bad faith remedies, and appeal deadlines automatically.

2

Enter Your Claim Details

Insurance company, claim number, denial reason, and why you're appealing. Takes about 2 minutes.

3

Download Your Letter

Get a professional appeal letter as a print-ready PDF. Preview free, clean copy for $9.99.

Why Not Just Call Your Insurer?

You could. But here's what most people get wrong:

Phone calls disappear. A phone call to your insurer creates no paper trail. A formal appeal letter sent via certified mail creates a legal record that the insurer must respond to.
No statutory citation. Without citing your state's unfair claims settlement practices act, the insurer treats your complaint as optional. Citing the statute puts them on legal notice.
No bad faith warning. Most policyholders don't know their state allows them to pursue bad faith damages for unreasonable denials. A proper appeal letter puts the insurer on notice that bad faith remedies are available.
Missed deadline. Every state has a deadline to appeal. If you miss it, you lose your right to challenge the denial — even if the denial was wrong.

What Your Letter Includes

Every letter is built from your state's actual insurance statutes.

State Insurance Code

Your state's unfair claims settlement practices act cited by section, so the insurer knows you understand the law.

Bad Faith Warning

Your state's bad faith remedies — damages, penalties, attorney fees — put the insurer on notice.

Appeal Deadline

Calculated from your denial date using your state's deadline, so you know exactly how much time you have.

Regulatory Complaint

Your state insurance commissioner's complaint contact, ready to escalate if the insurer doesn't respond.

Professional Format

Print-ready PDF formatted as a formal legal letter. Send it certified mail for maximum impact.

Create Your Appeal Letter →

Free preview. $9.99 for the clean, print-ready PDF.

Insurance Denial Appeal Laws by State

Select your state to see your specific insurance appeal rights and bad faith remedies.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming