How Denial Decoder works
Five steps from "denied" to a plan of action.
Tell us what was denied
Pick your claim type (home warranty is live now), your provider, and your plan. If your provider isn't listed, our AI reads the name from your letter and you can suggest it for the directory.
Upload the denial letter
PDF, photo (JPG/PNG/HEIC), or pasted text. We read it and extract the claim number, item, denial date, and the exact denial reason — quoted verbatim.
Upload the contract or policy
The service agreement, policy, or warranty terms the company says allows the denial. If another customer already contributed the same document, you can reuse it from the library.
Get your free verdict
We compare the denial reason against the actual contract text and rate the denial Weak, Moderate, or Strong — with a plain-English explanation. Free, no card required.
Unlock your letter — or the whole case
Get the full analysis and an editable appeal letter for a one-time $14.99, or track the entire fight with Case Tracker: deadline engine, follow-up and regulator letters, call scripts, and response re-analysis.
We can mail it for you
Skip the printer and the post office: we print and mail your appeal by USPS Certified Mail with tracking, proof of delivery is saved to your case, and the delivery date starts your deadline clock automatically. A few documents need a handwritten signature — we'll tell you when, and you mail those yourself.