Your claim was denied. That's not always the end.
Insurers deny claims they could pay. Koala reads the denial, finds the basis to challenge it, and drafts the response that puts the burden back on them.
Free while in beta · Koala is not a law firm
What you're up against
A denial letter is written to sound final: dense with policy citations and exclusions that are hard to argue with unless you know the language. Plenty of valid claims are denied on a technicality, a missing document, or one reading of the policy that isn't the only one.
Backup that does the work.
Reads the denial in full
Koala parses the exact reason cited and the policy language it leans on, and explains it in plain English.
Finds the counter-argument
It searches comparable claims and the state insurance code that may support coverage rather than exclusion.
Drafts your appeal
You get a firm, professional response that answers the denial point by point, and you approve it before it goes anywhere.
Denied claims questions
The things worth knowing before you answer your insurer.
Does a denial mean the claim is over?
No. A denial is the insurer's first position, not a verdict. It is also obliged to tell you why, which means it hands you the exact thing your appeal has to answer. Internal appeals exist precisely because denials get reversed.
How long do I have to appeal?
It depends on your policy and your state, and the window can be short, sometimes measured in days for health claims. Find the deadline in the denial letter itself or your policy before you do anything else, because a missed deadline can end a claim that had every chance on the merits.
What are the most common reasons a valid claim gets denied?
An exclusion applied more broadly than the facts support, a filing deadline missed, a document never received, or a policy clause read one way when it could reasonably be read another. Most denials turn on interpretation, and interpretations can be answered.
Can Koala guarantee the denial gets overturned?
No, and treat anyone who promises that with suspicion. Koala reads the denial, finds the strongest basis to challenge it, and drafts the response. You approve every word before it goes anywhere. What happens next is between you and your insurer.
Don't recognise a word in your letter? Look it up in the glossary to find every term, and where it costs you money.
Your claim may be more than one of these
All claim solutions →Before you reply to them, read this.
Everything below is free and requires no account. A claim answered from a position of knowing how the process works is a different claim.
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Reference
The glossary
Actual cash value, proof of loss, the appraisal clause: what each term means and where it bites.
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Guides
Playbooks for a live claim
Documenting damage before you file, and checking a total-loss valuation line by line.
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How it works
What Koala actually does
The six stages, what you approve, and what leaves your hands, all before you hand it anything.
See what you're actually owed.
Upload your documents and Koala gets to work. You approve everything before it's sent to your insurer.