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Denial Decoder

Simple, honest pricing

Every letter is $29, one-time — whichever letter you need. $49 with Certified Mail included.

An attorney costs $300+/hour. A public adjuster takes 10-15% of your settlement. Denial Decoder costs $29, one-time.

Any Letter

$29 one-time

  • Full analysis: cited clauses with page references
  • Denial-strength verdict, red flags, evidence checklist
  • Any letter type — editable, with exhibits
  • Escalation guidance — who to contact, in what order
  • Download the full package and mail it yourself
  • Saved to your account indefinitely
  • Simple email reminders after you mail
Secure checkout byStripe

7-day refund if no letter generated. No card required for preview.

Best value — save $4

Any Letter + Certified Mail

$49 one-time

  • Save $4 versus adding mailing later
  • Everything in Any Letter, plus:
  • We print and mail it by USPS Certified Mail with tracking
  • Tracking number emailed on dispatch and again on delivery
  • Proof of delivery saved to your appeal
  • Follow-up reminders start from the delivery date

One mail option: USPS Certified Mail with tracking and return receipt (the recipient’s signature on delivery) included at no extra charge — the proof of delivery an appeal actually needs. Bundled in the $49 tier, or added to any purchased letter for $24. Mailing is a delivery service — it doesn't affect the merits of your appeal. 12-page packages (letter + exhibits, double-sided).

What's included in the $29 letter?

A full analysis of your denial — the contract clauses that matter with page references, a denial-strength verdict, red flags, and an evidence checklist — plus any letter type, editable, with exhibits you can attach, escalation guidance (who to contact, in what order), and indefinite storage in your account.

Do I need my contract?

For most letters, no — it's optional and sharpens the analysis with exact clause citations. The one exception is the notice of intent to arbitrate: the contract is required because the notice period and terms come from its arbitration clause.

What if the company says no again?

Buy a follow-up letter for $29 — a second appeal, an escalation letter, or a regulator/BBB/AG complaint ($49 with Certified Mail included). Upload their response, and we draft the next step. A real fight often takes a few letters; each is a separate one-time purchase, never a subscription.

What “any letter” covers

A real dispute often takes several letters. Each is a separate one-time purchase — know that going in, not after.

Appeal letter

You have the denial letter and want to fight it — the core product.

Written-denial request

They denied you by phone and won't put it in writing. This forces the paper trail.

Follow-up letter

They missed their own response deadline — a firm nudge that moves things.

Escalation letter

The appeal failed — go over the claims department to the executive office.

Regulator / BBB / AG complaint

Take it outside the company, in the format the regulator expects.

Negotiation letter

They approved it but the offer is too low — counter with the contract's own numbers.

Notice of intent to arbitrate

The pre-filing step your contract's arbitration clause requires. Your contract is required for this one — the notice period comes from its clause.

About arbitration: the notice of intent to arbitrate requires your contract, and arbitration itself can cost up to several thousand dollars in forum fees (per the FTC) — the notice often resolves things before that point, but know the stakes.

Free first — always

The Denial Guide and free tools (deadline calculator, denial-reason lookup, regulator directory, call prep), a Coverage Check before you file, and the denial-strength preview on every claim — all free, no card. You pay only when you want a letter.

Need a follow-up letter later? Same $29 (or $49 with Certified Mail) — and we'll remind you when it's time.

Start free: every denial gets a no-cost strength preview before you pay anything.

“Start here, not with a $300-an-hour phone call”
DW

— Daniel Will, founder

Read why I built this →

Pricing FAQ

Match it to where you are: denied by phone with nothing in writing → the written-denial request. Denial letter in hand → the appeal. They missed their response deadline → follow-up. Appeal denied → escalation or a regulator/BBB/AG complaint. Offer too low → negotiation. Contract requires arbitration → the notice of intent to arbitrate (that one needs your contract). Not sure? The free read tells you.

Yes — a real dispute often takes several letters. Each is a separate $29 one-time purchase (never a subscription), and follow-ups build on the letters and responses already in your case.

You don't need one. If you were denied by phone, upload a recording of the call or paste its transcript — we transcribe and pre-fill everything — or just type what they told you. The written-denial request letter then forces the company to put it in writing.

Everything in the letter, and we print and mail it for you by USPS Certified Mail with tracking — the only mail class that produces proof of delivery. The tracking number is emailed on dispatch and again on delivery, proof of delivery is saved to your appeal, and follow-up reminders start from the delivery date. One option, one price: $49.

Mailed packages (letter plus exhibits, letter size, printed double-sided — 6 sheets) are limited to 12 pages, with a live page counter while you pick exhibits. Over the limit? Download the full package as a PDF — we include a mail-it-yourself checklist with the verified address and certified-mail guidance.

One-time purchases are refundable within 7 days if no letter was generated. Mail orders are non-refundable once submitted to the mail provider — if the provider rejects your order, we refund it automatically. See the Refund Policy for details.

Purchased appeals and documents are kept for 24 months after your last activity (any sign-in, purchase, or upload resets the clock). We email you 30 and 7 days before deletion with a one-click keep option. Free previews without an account are deleted after 7 days. You can delete any document, appeal, or your whole account anytime.

Yes — the Documents area on every appeal accepts photos (JPG, PNG, HEIC), PDFs, and DOCX: technician reports, invoices, maintenance records, photos of the failed unit. In the review step you pick which become Exhibit A, B, C — they appear in the letter's Enclosures block with labeled cover pages in the mailed package.

Every mailed letter goes USPS Certified Mail with a tracking number, saved to your appeal page with a direct USPS.com tracking link and emailed to you the moment it's issued. Detailed scans live on USPS.com; when their tracking shows delivered, confirm it with one tap on your tracking card — that starts the 14/25/35-day response check-ins.