docmydispute · insurance
Your claim was denied. Now build the appeal.
The denial letter, every phone call, the policy, the photos — dated and kept in one record. Then the letter that answers it, and the regulator to send it to if they still say no.
A tool of record — not legal advice.
Is this you?
Is this happening to you?
The claim came back denied, and now you're the one expected to prove them wrong. If this is where you are:
- A denial letter with a reason that doesn’t match your policy
- Phone calls where nobody writes anything down except you
- Being told to resubmit, with no clear explanation of what changed
- Photos, bills, and reports scattered across email and your phone
- An appeal deadline running while you work out where to start
An appeal is decided on the paper trail — the denial, the dates, the policy, the records, in order. That is the thing this app builds.
How it works
Three steps.
Keep the record
Log every call, letter, and email with the insurer the moment it happens — who said what, and when.
Write the letter
The assistant drafts your appeal from that record, not from thin air. You review and approve every word before it goes.
Escalate, with proof
Still denied? Take a complete, dated case file to your state regulator — the whole history, in order.
What to gather
For a denied insurance claim, these are the documents people usually need. A guide, not a requirement — add whatever you have.
- Policy document
- Claim submission
- Denial letter
- Medical reports/receipts
- Photos of damage
- Correspondence with insurer
When you hand it over
One file. The whole story, in order.
Whether it goes to the insurer’s appeals team, your state commissioner, or a lawyer you are paying by the hour, they all want the same thing: what happened, on what date, with the documents attached. Not a folder of screenshots.
A dated record of every exchange
Each call, letter, and email — attributed to the side that sent it.
The letters you sent, as you sent them
Drafted from your record, reviewed by you, kept with the rest.
The evidence, indexed and attached
Your policy, the denial, the photos — numbered and referenced.
It never invents events. The words are yours to approve.
Questions
Appealing a denied insurance claim
- How long do I have to appeal a denied insurance claim?
- Check your denial letter first — it states the deadline for that plan. Appeal windows vary by state, by policy, and by the type of insurance, and missing one can end the appeal. Note the date the decision was issued and work back from it.
- What should I keep after a claim is denied?
- The denial or decision letter, your policy document, the original claim submission, any medical or repair reports, photos of the damage, and dated notes from every phone call — who you spoke to, when, and what was said.
- What is the State Insurance Commissioner, and when do I contact them?
- Every state has an insurance department that regulates insurers operating in that state and reviews consumer complaints. You would normally go to them after the insurer has completed its own internal review and you still disagree. Reviews commonly take 30 to 90 days.
- Do I need a lawyer to appeal a denied claim?
- Not to file an internal appeal or a complaint with your state regulator — those are designed for people to use directly. A lawyer becomes relevant if the dispute reaches court. Either way, an organized, dated record of what happened is what you are asked for.
- What does docmydispute actually do?
- It keeps a dated record of every exchange with the insurer, drafts the letters from that record for you to review before sending, and compiles a complete case file you can hand to the insurer, your state regulator, or a lawyer. It is a tool of record — it does not give legal advice.
Other situations
Dealing with more than one thing?
docmydispute works the same way for any dispute where someone has more power than you. A few others: