Appeal my denial
Home warranty & homeowner insurance denials

Denied isn’t final.It’s an opening argument.

Carriers deny on vague language — “wear and tear,” “pre-existing”— and bank on you accepting it. Recourse reads your denial against your own policy and your state’s insurance code, then writes the appeal they hoped you couldn’t.

Appeal my denialSee what we catch
Free denial analysis You sign every letter Not a law firm — a tool
american home shield · claim #h-2214
Denial letter“…normal wear and tear.”
Your policy · §4.2 · Exhibit A“…under five (5) years of age are covered…”
RebuttedUnit age: 3 years — exclusion doesn’t apply
1.95★
America’s largest home-warranty carrier, across 9,224 reviews.
<10%
of homeowners who appeal a denial at all.
41%
of appealed denials that change outcome.

They count on the ninety percent.

The rebuttal — what we catch

Every denial is entered as evidence — then answered, one exhibit at a time.

We read the letter against the policy it contradicts. Each contradiction becomes an exhibit with the carrier’s own language on the record.

EXHIBIT A
The vague exclusion
Denial letter · AHS
Coverage declined: failure attributed to “normal wear and tear.”
Your policy · §4.2
“Mechanical systems under five (5) years of age are covered against failure.”
CA INS. CODE §790.03(h) — misrepresentation of policy provisions
EXHIBIT B
The contradicted approval
On the record
APPROVED · COMPRESSOR · 2023 → DENIED · SAME UNIT · 2025. The carrier approved this exact unit two years ago. The unit hasn’t changed. Their position has.
Waiver & estoppel — prior course of dealing
EXHIBIT C
The misapplied limit
Denial letter
Payment capped at $1,500— “appliance sublimit.”
Your schedule · covered system
A covered $3,900 HVAC systemis not an appliance. The sublimit doesn’t apply.
Schedule A, item 3 — “central air conditioning”
EXHIBIT D
The missed deadline
Statutory clock
Carrier response was due within 30 days by statute. DAY 47 AND COUNTING — the clock has already breached.
CA INS. CODE §790.03(h)(3) — failure to act promptly
Notice of Appeal & Demand
CLAIM #H-2214
AMERICAN HOME SHIELD
CLAIMS REVIEW DEPT.
APR 2, 2026

To the Claims Review Department:

This letter contests the denial of the above claim and demands reconsideration on the following grounds:

1. The denial cites “wear and tear,” yet the policy expressly covers mechanical systems under five years of age against failure. The unit is three years old. §4.2 · CA INS. CODE §790.03(h)

2. The carrier approved this identical unit in 2023, estopping the present position.

3. The $1,500 appliance sublimit was misapplied to a scheduled $3,900 HVAC system.

On behalf of the policyholder
Certified mail · return receipt requested
READY TO SEND
The rebuttal, drafted

The letter sounds like a lawyer because it argues like one.

Your appeal cites the policy’s own clause, your state’s insurance code, and — where carriers have a pattern — the pattern. You review it, sign it, and send it certified.

  • Every argument locked to an exhibit
  • Nothing asserted that the record doesn’t already prove
  • Editable to the last comma — nothing sends without your signature
The docket

Carriers stall past their own statutory clocks.
Recourse counts the days.

And when the clock runs out, Recourse drafts the regulator complaint for you — the sharpest thing you can put in front of an adjuster.

APPEAL · CLAIM #H-2214OVERTURNED
APR 2
FILED — CERTIFIED MAIL
APR 11
CARRIER ACKNOWLEDGED — statutory clock running
APR 24
OUTCOME RECORDED — carrier reversed $3,900
Outcomes

Quiet proof.

EXH.
HVAC compressor
AHS DENIAL · “WEAR AND TEAR”
OVERTURNED$3,900
EXH.
Slab leak
MISAPPLIED CAP
SETTLED$6,200
EXH.
Water heater
“PRE-EXISTING”
OVERTURNED$1,480

OUTCOMES VARY. THE APPEAL IS YOURS TO WIN — RECOURSE ARMS IT.

Pricing

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Denial analysis
$0

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Most homeowners
Per-appeal
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ADJUSTER NETWORK: LICENSED PUBLIC ADJUSTERS TAKE YOUR CASE ENTIRELY — 25–50% OF RECOVERY, NOTHING UPFRONT.

“Their letter said wear and tear. My policy said covered for units under five years.Mine was three. Recourse put those two sentences next to each other and they paid in eleven days.”
G. MERCER · PHOENIX, AZ
The motion is yours to file

Make them read their own policy.

Appeal my denial