Insurance claim refused
Your claim was refused. Build the record for what comes next.
A refusal letter isn't always the end. It usually says why, and what you can do next. Whatever you do from here — ask questions, appeal, complain or get advice — you'll need the claim in order: what happened, what you sent, what they said, and when.
Last updated Oct 6, 2026
Your claim was denied or underpaid
- The denial letter, and the reason it gives
- Your policy, and the pages the decision points to
- The damage: dated photos and video, from before any cleanup if you can
- Every receipt, quote and invoice for repairs or replacement
- Every call: date, who you spoke to, what was said, any reference number
- Everything you sent the insurer, and the date it went
The insurer is questioning your claim
Sometimes the letter isn't a no. It's a request: more documents, a recorded statement, an inspection. Answering it well is about being exact.
- The request, and the date it arrived
- What you sent back, item by item, and when
- A note of each conversation with the adjuster, written the same day
- What you held before the loss: receipts, photos of the room, statements
- Anything you couldn't supply, and why
The correspondence document lists every message both ways, in order, including the ones that were never answered.
How it works
One record, either way round.
Everything in one place. Your own notes, photos, files, emails, pasted texts and voice notes go into one dated register for this case.
Two dates on every entry. When it happened, and when you wrote it down. The second date can’t be changed, not by you and not by us.
Letters for both directions. 84 letters, eight of them written for the person answering. Each one fills in the facts from your record and leaves the ask blank. What you want is yours to write. Nothing is sent for you, and when you send one, it goes back into the record as a dated item.
Emails go into the case. Every case can have its own email address. Once you’ve turned it on with Copy in the case’s “Email it in” box, the emails you write from your case carry it in BCC. Emails you forward from your own sign-in address file themselves; anything else waits in Mail waiting until you check it.
Get an AI to help, if you want to. Copy a ready-made request into your own AI and bring the answer back. When it comes back as a letter draft, BuildMyEvidence checks its dates, amounts, item numbers and names against your record. There is no AI inside BuildMyEvidence.
One case file at the end. A cover, a one-page summary, the contents, then the record, numbered and dated, with every file at the back. The summary page also downloads on its own.
What it costs
Free to build. $59 once, when you want the finished file.
Building the record is free, for as long as you need it. So is reading every page of the case file, downloading any single file, and taking everything out: every file you’ve added, each with its fingerprint. You pay $59 once per case when you want to download the finished case file, the summary page or the itemized packs. No subscription. Nothing renews.
What it won’t do
It won’t tell you what happened, who’s right, or what to ask for. It doesn’t give legal advice. It keeps the record that anyone advising you would want to see.
Questions
- Is there a time limit to appeal?
- Your denial letter should say. Write that date down the day the letter arrives. BuildMyEvidence doesn't give legal advice on timing.
- Should I clean up before the adjuster comes?
- Photograph and video everything first, with dates. If damaged things have to go, photograph them before they do.
- What about a health insurance denial?
- It has its own page: Health insurance denied.
Related
BuildMyEvidence works for any situation where you need a clear, dated record.