Ten Tips for Handling Insurance Claim Denials with American Traditions Insurance Company

Receiving a denial letter from American Traditions Insurance Company after filing an insurance claim can feel discouraging. You’ve paid your premiums and expect the coverage to work when you need it most. The good news? A denial doesn’t mean the end of the road. Many claims can be successfully appealed or renegotiated, especially when you understand your rights and take the right steps.

In this article, we’ll break down ten practical tips to help you handle a denied claim from American Traditions Insurance Company. Whether you’re going through the process alone or you decide to bring in professionals like Louis Law Group, these strategies will put you on the right track.

Tip 1: Read the Denial Letter Thoroughly

The denial letter from American Traditions is your roadmap. It explains why they rejected your claim and provides clues on how to respond.

Action Steps:

• Read the entire letter carefully.
• Look for the specific reasons for denial, such as incomplete documentation or a policy exclusion.
• Highlight terms or references to policy sections that are confusing or unclear.

Knowing exactly why your claim was denied allows you to build a targeted and effective appeal.

Tip 2: Review Your Policy Details Carefully

It’s important to understand your policy’s coverage, limits, and exclusions before challenging the denial.

Action Steps:

• Review your Declarations Page for an overview of your coverage.
• Pay close attention to exclusions and conditions that might affect your claim.
• Compare the denial reasons with your policy language to spot any discrepancies.

If any parts of your policy are unclear, Louis Law Group can clarify your rights and help you understand your options.

Tip 3: Collect Strong Supporting Evidence

One common reason claims get denied is a lack of sufficient evidence. Strengthen your case by gathering detailed documentation.

Gather:

• Photos and videos of the property damage.
• Estimates or reports from licensed contractors.
• Receipts and invoices for emergency repairs or replacements.
• Witness statements or police reports, if applicable.

Organize your evidence clearly to present a compelling case in your appeal.

Tip 4: Request Clarification on the Denial

If the denial letter from American Traditions isn’t clear or doesn’t make sense, ask for more information.

Action Steps:

• Contact their claims department to request a detailed explanation.
• Ask for a copy of their claim evaluation report, if available.
• Get clarification on the specific policy terms they believe justify the denial.

The more clarity you have, the stronger and more focused your appeal can be.

Tip 5: Pay Attention to Appeal Deadlines

American Traditions may have a strict timeframe for submitting an appeal, often as little as 60 days.

Action Steps:

• Check the denial letter for your appeal deadline.
• Mark the date on your calendar and set reminders.
• Plan to submit your appeal well before the deadline to avoid last-minute issues.

Missing the deadline can jeopardize your ability to appeal.

Tip 6: Draft a Strong and Detailed Appeal Letter

Your appeal letter is your chance to tell your side of the story and provide new evidence that supports your claim.

What to Include:

• A summary of your original claim.
• The denial reason and your response to it.
• Clear references to policy language that supports your case.
• Attachments with photos, reports, and additional documentation.

Tips:

• Keep the tone professional and respectful.
• Use bullet points or headings to make the letter easy to follow.
• Be concise, but include enough detail to strengthen your case.

Tip 7: Consider Hiring a Licensed Public Adjuster

If you think American Traditions undervalued your damages or misjudged your claim, a public adjuster can help.

Benefits:

• Conduct an independent inspection of your property.
• Provide a fair estimate of your losses.
• Negotiate with the insurance company on your behalf.

Action Steps:

• Verify the adjuster’s license and experience.
• Understand their fee structure, which is usually a percentage of your settlement.

A public adjuster often brings experience and objectivity to the claims process.

Tip 8: Keep a Communication Log

Documenting all interactions with American Traditions can protect you if there’s a dispute later.

What to Log:

• Dates and times of phone calls and emails.
• Names of the representatives you spoke with.
• Summaries of the conversations and any promises made.

Keep copies of all correspondence, including emails and letters.

Tip 9: Remain Persistent and Professional

Persistence is key, but how you communicate matters just as much.

Action Steps:

• Follow up with American Traditions regularly (every 7-10 days).
• Stay calm, respectful, and clear in all communications.
• Be assertive about your claim but avoid hostility.

Politeness and professionalism can make it easier to reach a positive resolution.

Tip 10: Consult an Insurance Attorney

If your appeal is denied or you feel you’re not being treated fairly, consult a professional.

Action Steps:

• Contact a law firm that specializes in insurance disputes.

Louis Law Group can:

• Review your denial and policy.
• Gather evidence and draft legal documents.
• Negotiate with American Traditions or litigate if necessary.

Legal professionals bring leverage and expertise that can significantly improve your chances of success.

How Louis Law Group Can Help You

At Louis Law Group, we have experience helping clients fight claim denials with American Traditions Insurance Company. Our legal team can:

• Interpret confusing policy terms and explain your rights.
• Build a solid appeal supported by evidence.
• Negotiate aggressively or file suit if your claim deserves more.

We’ve helped countless clients recover the payouts they deserve, and we’re ready to help you too.

FAQs

1. Why did American Traditions Insurance Company deny my claim?

Common reasons include insufficient evidence, policy exclusions, and missed deadlines.

2. How long do I have to appeal a denied claim?

Typically, you have 60 days from the denial notice, but deadlines can vary. Always check your denial letter.

3. What happens if my appeal is denied?

You can seek legal help from Louis Law Group to explore litigation or further negotiations.

4. Do I need a lawyer to appeal a denial?

You can handle it on your own, but hiring an attorney like Louis Law Group often improves your chances of success.

5. How much does it cost to hire an attorney or public adjuster?

Public adjusters typically charge a percentage of the recovered amount. Louis Law Group works on a contingency basis, meaning no fees unless you win.

Conclusion

A claim denial from American Traditions Insurance Company is frustrating, but you have options. By following these ten tips, you can appeal your denial, strengthen your case, and fight for the coverage you deserve. And if you need professional help, Louis Law Group is here to guide you every step of the way.

Are you ready to take the next step and stand up for your rights?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.