The Denial Must Be in Writing Setting Out All Reasons for the Denial

Read the full article at https://www.linkedin.com/pulse/video-explaining-when-how-advise-insured-claim-denied-barry and see the full video at https://rumble.com/vfwjo5-a-video-explaining-when-and-how-to-advise-an-insured-a-claim-is-denied.html and at https://youtu.be/irBuB4NmRL0 and at https://zalma.com/blog plus more than 3700 posts.

Once a claim is denied, the insured no longer need comply with the conditions of the policy. He or she need not submit a sworn proof of loss nor respond to requests for records or an examination under oath. Therefore, an insurer should not make the decision to deny a claim until it is convinced that it has completed a thorough investigation.

If the investigation reasonably justifies a denial of the claim, the insured should always be notified in writing.

After the investigator is convinced that the investigation is complete and the file is properly documented, all the information must be gathered and evaluated in an objective and impartial manner. A fair and thorough analysis will negate charges of bad faith or malice to the insured. All information that can be corroborated must be corroborated by the fraud investigator.