Homeowners Insurance Appeal Tool

Your Claim Was Denied.
Push Back With a Professional Letter.

ClaimRebuttal generates a targeted, professional appeal letter based on the specific reason your claim was denied — in minutes.

✔ See your denial type before you pay Fill out the form for free. You only pay $9.99 when you are ready to download your letter — no surprises.

Check If My Denial Is Covered — Free

No payment required to start  |  Pay only before download  |  Instant PDF

✔ See your case before you pay
🔒 Secure Stripe Payment
📄 One letter for $9.99
✏️ Fully editable before download
⚠️ Not legal advice

How It Works

From Denial to Appeal Letter in 5 Minutes

No lawyers. No waiting. Fill in your details, pick your situation, and your letter is ready to mail.

01
Enter Your Info

Name, address, claim number, insurer, dates.

02
Pick Damage Type

Roof, water, hail, wind, fire, mold, storm, or other.

03
Pick Denial Reason

Select the category then the specific reason they gave.

04
Add Your Details

Paste the exact denial wording, your estimate, adjuster concerns.

05
Generate & Pay

Preview your letter, pay $9.99, download your PDF.

What We Cover

The Top Denial Reasons — Specifically Addressed

We focus on the denial categories that account for the majority of homeowners claim disputes. Each one has multiple specific sub-reasons so your letter targets exactly what they said.

⏳ Wear & Tear / Maintenance
Normal aging  ·  Lack of maintenance  ·  Gradual seepage  ·  End of useful life
📋 Pre-Existing Damage
Predates storm  ·  Inconsistent with event  ·  Prior storm blamed  ·  Predates policy
🚫 Not Covered / Exclusion
Cosmetic only  ·  Flood exclusion  ·  Below deductible  ·  No reason given
💰 Underpaid / Low Estimate
ACV vs replacement cost  ·  Missed damage  ·  No material matching  ·  Below-market pricing
Not covered by this tool: Flood claims requiring separate flood insurance, intentional damage, vacancy exclusions, or claims requiring legal action. If your situation is not listed, you will see that before paying.

Questions

Frequently Asked Questions

Is this legal advice?+
No. ClaimRebuttal generates a form letter for filing purposes only. It is not legal advice and does not create an attorney-client relationship. For legal guidance, consult a licensed insurance attorney or public adjuster in your state.
Do I pay before or after I see the letter?+
After. You fill out the entire form for free and see a preview of your letter before any payment is required. You only pay $9.99 when you are ready to unlock and download the full letter.
What if my denial reason is not listed?+
You will see all available denial categories during the form — before payment. If your specific situation is not covered, you will know before you pay. We recommend consulting a licensed public adjuster for unusual or complex denials.
Can I edit the letter after it is generated?+
Yes. Your letter is fully editable. Click anywhere in the letter text to make changes before downloading or printing.
Is my personal information stored?+
No. Your letter is generated entirely within your browser. We never receive, store, or have access to your personal details or letter content.
Are refunds available?+
All sales are final. No refunds are issued. Because you can preview your letter and confirm your denial type is covered before paying, we are confident you will know what you are getting before purchase.

A Denial Is Not Always the Final Word.

See if your denial is covered — free. Pay only when you are ready to download.

Check My Denial — Free to Start