Few things are more frustrating than having an insurance claim denied when you need it most. Whether it’s damage to your home, medical expenses, or lost property, you paid for protection—and now your insurer won’t honor it.

At SJJ Law, we help policyholders across Colorado challenge denied insurance claims and hold companies accountable. If your claim was unfairly denied, you still have options—and we’re here to help you fight back.

Step 1: Understand Why Your Claim Was Denied

Insurers are required by law to explain the reason for a denial in writing. Common reasons include:

  • Missed deadlines or errors in your paperwork

  • Claims filed for uncovered events

  • Allegations of fraud or misrepresentation

  • Incomplete documentation or evidence

  • “Pre-existing condition” loopholes in health policies

But here’s the truth: many denials are based on technicalities or misinterpretations—and they can be challenged.

Step 2: Request a Detailed Explanation

If the denial letter isn’t clear, request a more specific explanation in writing. This is your legal right and will help clarify what needs to be addressed before moving forward.

Step 3: Gather Supporting Documentation

To appeal or dispute the denial, you’ll need evidence. This may include:

  • Photos or video of the damage or incident

  • Receipts, medical records, or repair estimates

  • A copy of your full policy

  • Emails or letters from your insurance company

Having a clear, organized file strengthens your case and helps your attorney build a strong argument.

Step 4: Don’t Accept a Lowball Offer

Sometimes insurers approve a claim but offer a settlement far below the true value. This tactic is common and counts as bad faith if the amount is unreasonably low.

If you suspect the offer isn’t fair, don’t sign anything before speaking with an insurance attorney.

Step 5: Speak to an Insurance Attorney

Not all claims need legal action—but if your insurer won’t budge, an experienced lawyer can step in to negotiate or sue if necessary.

At SJJ Law, we:

  • Review your denial for legal errors

  • Communicate directly with the insurance company

  • Prepare and file a formal appeal

  • Pursue litigation if the company refuses to pay

In many cases, simply hiring an attorney prompts insurers to take your claim more seriously.

What You Might Recover

If your claim was wrongfully denied, you may be eligible to recover:

  • The original claim amount

  • Interest on the unpaid claim

  • Additional damages in bad faith cases

  • Attorney fees and court costs

We’ll help you calculate the full value of what you’re owed and pursue it aggressively.

How Long Do You Have to Appeal?

Deadlines vary by state and policy. In Colorado, the time limit to file a lawsuit for bad faith or breach of contract is typically two years—but don’t wait that long. The sooner you act, the stronger your case will be.

Why Work with SJJ Law

We’ve helped hundreds of clients challenge denied insurance claims, from homeowners and business owners to drivers and health plan members. Our team knows how insurance companies operate—and we know how to fight back.

We don’t just review your claim. We advocate for your rights and make sure your voice is heard.

Get a Free Review of Your Denied Claim

Don’t accept “no” as the final answer. If your insurance company denied your claim unfairly, you may still be able to recover what you’re owed. Contact SJJ Law for a free consultation today.

Let us take the stress off your shoulders—and fight for the coverage you paid for.