Use this insurance claims guide to build a clear demand letter for Dunedin.
Evidence checklist for Dunedin
Document the facts before sending your demand letter.
- Contracts, invoices, or lease terms
- Photos, screenshots, or inspection reports
- Written communication and timelines
Timeline after sending
Give a firm deadline, track delivery, and be ready to escalate if the other side refuses to respond.
The Insurance Appeal Playbook
Understand the Denial
Read the denial letter carefully. What specific reason did they give? That's what you attack.
Gather Supporting Evidence
Medical records, repair estimates, expert opinions - whatever proves your claim is valid.
Know Your Policy
Read your policy language. What's actually covered? What are the exclusions?
Insurance Bad Faith Laws
Insurers must handle claims in good faith. Unreasonable denials or delays can result in bad faith penalties.
Otago Insurance Claims Laws
Applicable Laws
- Insurance (Prudential Supervision) Act 2010
- Financial Markets Conduct Act 2013
- Fair Insurance Code
Small Claims Limit
NZD $30,000
Notice Period
20 working days
Consumer Protection Agency
Insurance & Financial Services Ombudsman (IFSO)
Insurance Appeal FAQ
How long do I have to appeal?
Usually 30-180 days depending on your policy and state. Check your denial letter for the deadline.
What if my internal appeal fails?
Request external review. File a complaint with your state insurance commissioner. Consider legal action.
Ready to Fight Your Insurance Company?
Denials can be overturned. Don't accept no for an answer.
Generate Your Demand Letter Now