How Denial Decoder works
Start wherever you are — letter in hand, denied by phone, appeal already lost, or nothing on paper at all. Six claim types are live: home, auto, RV, device, manufacturer, and builder warranties.
Start wherever you are
I have a denial letter
Upload it (PDF, photo, or pasted text) — free verdict in minutes. Contract optional; add it now or later for the clause-level read.
Denied by phone, nothing in writing
Recorded the call? Upload the audio or paste the transcript — we transcribe it and pre-fill everything. Didn't record? Typed works too, and we'll show you how to record the next call.
I appealed and lost again
Escalation letters, regulator complaints, or the notice of intent to arbitrate your contract requires before filing.
No documents at all
Describe what happened in your own words — free preliminary read, nothing to upload.
The common flow
Get your free read
Whichever way you start, we analyze what you have and rate the denial's strength — Weak, Moderate, or Strong — with the exact clauses and page references when your contract is in. Free, no card, saved for 7 days via a private link.
Unlock the letter — $29
Every letter type costs the same $29, one-time: the appeal, the written-denial request, a follow-up, an escalation, a regulator complaint, a negotiation when the offer is too low, or the notice of intent to arbitrate. Editable before anything sends.
Review, edit, attach your evidence
The letter is yours to edit. Attach technician reports, invoices, photos, and call transcripts as labeled exhibits — they're referenced in the letter and printed in the mailed package.
Send it — we can mail it for you
Download and mail it yourself, or add USPS Certified Mail with tracking ($49 bundled, or $24 later for any purchased letter). Proof of delivery is saved to your case.
What happens after
After your letter lands, we email you at 14, 25 and 35 days: has the company responded? Upload their letter and buy the next step — a second appeal, escalation, or regulator complaint — for the same $29. No subscriptions, nothing to manage.
What's free, always
The Denial Guide (plain-language answers for every stage), the free tools (deadline calculator, denial-reason lookup, regulator directory, call prep), Coverage Check before you file, and the preliminary read on every denial. You only ever pay for a letter.
Sample result
Why it looks weak
The letter cites no contract section. The service agreement's maintenance exclusion appears to require proof of neglect, which the company did not provide.