The Claims Guide
Everything we know about fighting a denied claim.
The full method, written out. Which clause to look for, what to put in the letter, where it goes next. Free to read and free to use — whether or not you ever pay us a cent.
Start here
2 guidesDenied over the phone and nothing in writing
If your denial was only said on the phone, here’s how to get it in writing and preserve the call recording as evidence.
My claim was denied — the first 48 hours
What to do in the first 48 hours after a denied warranty or insurance claim, and what to gather before you appeal.
Write the letter
7 guidesFile a regulator complaint: what to include and where it goes
When to file a regulator complaint, what to include, and how to keep it clear, factual, and complete.
Negotiate a Low Offer After Approval
How to respond to a low approval offer, quote your contract, and write a firm letter asking for more money.
Notice of intent to arbitrate: what it is and when it applies
Learn what a notice of intent to arbitrate is, where to find the clause, and why missing the deadline can waive a claim.
Request a written denial — when they only said no on the phone
How to request a written denial after a phone rejection, what to ask for, what to quote, and how to keep the record useful.
Write a follow-up letter when they don't respond
Use a firm follow-up letter to restart a stalled claim or appeal, document your deadline, and create a clear paper trail.
Write an escalation letter — second-level and executive review
Write a firm escalation letter asking for second-level or executive review after a denied claim or stalled appeal.
Write your own appeal letter: the complete method
Use this step-by-step method to write a clear, contract-based appeal letter that asks for reconsideration and builds a stronger record.
Before you write
7 guidesCanceling your contract without making it worse
How to cancel a warranty or insurance contract, avoid common traps, and protect your claim record.
Contract terms that decide claims — a glossary
A plain-English glossary of contract terms that can decide warranty and insurance claims, plus what to check next.
How to read your contract before you ever need it
Learn how to read warranty and insurance contracts before a denial so you can spot coverage, deadlines, exclusions, and required proof.
The escalation path, start to finish: what each step can and can't do
A step-by-step guide to the escalation path after a denial: what each stage can do, what it can't, and what to do next.
What denial letters rely on, by denial reason
What denial letters commonly rely on for each denial reason, what to check in your contract, and next steps.
What documents to keep — and which denial reasons they answer
Keep the right records to answer common denial reasons like wear and tear, maintenance, coverage limits, and pre-existing damage.
What to say on the phone — and what to confirm in writing
A practical phone script for denied claims: stay calm, ask for specifics, and confirm every key point in writing.
By claim type
2 guidesBuilder Warranty: the complete claims guide
Learn what builder warranties usually cover, how denials are handled, what evidence to gather, and your next steps after a claim denial.
Home Warranty: the complete claims guide
Learn how home warranty claims are structured, common denial reasons, escalation steps, and where exclusions and limits usually appear.