This kit covers two related but distinct situations: a claim that's been delayed too long with no clear response, and a claim that's been formally denied. Follow the generator that matches what's actually happening to you, and use the evidence pack and checklist listed with it alongside. If your claim was never properly filed in the first place, or needs to be resubmitted, start with the first path. Every tool in this kit is completely free to use — no account, no payment, no catch.
Pick your situation
These paths aren't sequential steps — each one covers a different stage of a claim. Use the generator that matches where your claim stands, with the evidence pack and checklist alongside it.
Situation A · Not filed yet
The claim needs to be filed properly
The claim hasn't actually been filed yet, or it needs to be resubmitted properly — a complete, well-documented claim letter from the start.
Situation B · Delayed
The claim is stuck with no clear answer
You filed, but the insurer is slow, silent, or keeps asking for more — follow up formally and escalate with a clear deadline.
Situation C · Denied
The claim was formally rejected
The insurer has formally denied the claim, fully or in part — challenge the decision on the policy wording and the evidence. The main tool in this kit.