What to Do if Your Insurance Claim Is Denied in Ontario

2025-07-08
Insurance Law

Receiving a denial letter from your insurance company can be frustrating and overwhelming, especially when you’ve been paying premiums expecting protection when you need it most. Whether it’s a life insurance policy, disability claim, home insurance, or other coverage, it’s important to know that a denied claim doesn’t always mean the end of the road.

In Ontario, many insurance claim denials can be successfully challenged. In fact, industry reports show that approximately 20% of initially denied insurance claims are overturned after review or legal action.

If your claim has been denied, start by reviewing the denial letter carefully. It should explain the reason for the decision, referencing specific policy terms. Next, gather any additional information, documentation, or medical reports that could support your position.

You also have the option to request an internal appeal through your insurance provider. If that process doesn’t resolve the issue, speaking to a lawyer can help you explore your legal rights and possible next steps, which may include filing a lawsuit for breach of contract or bad faith handling.

At Hoss Law, we assist clients with a range of insurance disputes, including disability claims, life insurance denials, and home or auto coverage issues. Our team can review your policy, explain your options, and help you fight back when your rightful claim is unfairly denied.

If you’ve received a denial letter or are dealing with an insurance dispute, contact our office for experienced legal advice.