If your insurer has denied, delayed, or undervalued your claim, contact Ember Law to speak with a Seattle first-party insurance claim attorney about your options under Washington law.
What to Do if Your Insurance Claim Was Denied
If your insurer has denied your claim or is not paying what you believe you are owed, the steps you take early in the process matter.
01
Review the denial letter closely.
The insurer is required to identify the specific policy provision or exclusion it is relying on. If the letter is vague or does not cite specific policy language, that itself is worth noting.
02
Review your policy coverage.
Check your own copy of your policy. You should be able to find it online if you don't have a paper copy.
03
Gather supporting evidence.
This includes photographs, repair estimates, medical records, invoices, and any written communications with the insurer.
04
Document every interaction with the insurer.
Keep a written record of each phone call, including the date, the name of the person you spoke with, and what was said. Save your emails, too.
05
Request your complete claim file.
Under Washington law, you are entitled to this documentation. Ask for it in writing.
06
Do not sign anything before speaking with an attorney.
Once you accept a settlement offer and sign a release, you typically give up your right to pursue additional compensation, even if new information surfaces later. If what is being offered is unfair, seek advice.
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Washington Insurance Dispute Attorney: FAQs
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Sometimes. Insurance companies may attempt to reopen or reevaluate a claim after issuing partial payment, especially if additional damage is discovered, medical treatment continues, or disputes arise over the scope of coverage. However, insurers cannot simply change positions without justification or ignore their obligations under Washington law. If your insurer suddenly reverses course, delays further payment, or claims your file is “closed” despite ongoing losses, it may be worth having an attorney review the situation.
