Your state insurance department
State regulators accept complaints and may review whether the insurer followed the policy and law. They do not guarantee payment or act as your lawyer.
Find the official state route through NAIC ↗Put the denial, policy and estimate on one map.
DenialFix turns three messy source documents into a private claim-preparation workspace: reason patterns, cited policy wording, estimate amounts, evidence gaps, correspondence, and one exportable record.
Your documents stay in your browser. DenialFix does not upload them to Money You’re Owed or an AI service. It does not decide coverage, calculate deadlines, or promise payment.
The product is the comparison—not another appeal template.
This sample shows the actual local workflow with fictional wording. It labels candidates instead of pretending a keyword match is a coverage conclusion.
Fictional denial excerpt
“Our inspection indicates repeated seepage or leakage over a period of 14 days or more. See Section I — Exclusions, paragraph 3 and endorsement HO 04 95.”
The app marks “repeated seepage,” “Section I — Exclusions,” “paragraph 3,” and “HO 04 95” as candidate terms to verify.
Fictional policy excerpt
“Water damage caused by constant or repeated seepage or leakage over a period of 14 days or more is excluded. HO 04 95 modifies this policy.”
DenialFix surfaces nearby wording. You still compare it with the complete original policy, definitions, conditions, and endorsements.
Candidate evidence map
Pattern to verify
Repeated or gradual water—not a determination that the exclusion is correct.
Question to resolve
Which exact facts and wording make the insurer treat the event as gradual rather than sudden?
Evidence to check
Dated photos, first-visible-sign timeline, cause-and-origin report, maintenance records.
The same workspace indexes estimate amounts, tracks documents and correspondence, and exports one preparation packet.
A fifteen-minute first pass, then a record you can improve.
The job is not “write an angry letter.” It is to preserve the insurer’s exact position, find the controlling wording, list unresolved facts, and keep every request and response together.
01
Load locally
Import PDF/TXT files or paste the denial, relevant policy wording, and estimate. Redaction guidance appears before import.
02
Verify candidates
Review detected reason patterns, references, dates, dollar amounts, and nearby policy passages against the originals.
03
Close evidence gaps
Track reports, photos, estimates, receipts, requests, and correspondence without handing your documents to an AI service.
04
Export the record
Download a readable claim-preparation packet and a portable JSON backup. Print or save the packet as PDF.
You may not need to buy anything.
If the issue is a regulator complaint or you only need general guidance, use the free official and nonprofit routes first. DenialFix is for the extra work of organizing your own documents and record.
United Policyholders
Free current guidance covers common claim-dispute routes, including the distinction between amount/scope disputes and coverage disputes.
Read the free dispute guide ↗What the paid workspace does—and where it stops.
It removes organization work. It does not sell certainty about a policy, law, deadline, settlement, or appeal outcome.
Inside DenialFix
- Local PDF/TXT import and paste workflow
- Common denial-reason pattern detection
- Candidate policy-reference and nearby-wording index
- Estimate dollar-amount index
- Evidence and correspondence trackers
- Printable HTML preparation packet
- Portable JSON backup and restore
- Fictional sample claim for a no-risk first run
No coverage verdict
Some denials are correct. A text match cannot decide policy interpretation, causation, exclusions, or bad faith.
No deadline calculator
Deadlines vary by policy, notice, state, dispute route, and facts. You enter only a date you have copied and independently confirmed.
No public-adjuster or legal service
DenialFix does not contact an insurer, negotiate, value a claim, recommend a settlement, or represent you.
No document upload
Claim text stays in browser memory unless you explicitly save it in your browser or export it to your device.
Your claim documents are not training data.
The buyer workspace uses deterministic JavaScript and a locally served PDF reader. Document contents are not posted to Money You’re Owed, Stripe, Cloudflare analytics, or an AI API. Optional device saving uses your browser’s localStorage; export and clear controls stay under your control.
Buy the organization—not a promise.
A diligent homeowner can build these tables manually for free. DenialFix earns its $47 by turning the denial, policy, estimate, evidence, and correspondence into one repeatable workspace without uploading private documents.
$47one-time · USD
DenialFix browser workspace
- Immediate access after checkout
- All V1 modules listed above
- 30-day money-back guarantee
- Email support at [email protected]
No subscription. No recovery percentage. No claim-submission service.
Straight answers before checkout.
Will DenialFix tell me whether the insurer is wrong?
No. It organizes candidate wording, questions, and evidence gaps. Coverage and legal conclusions depend on the complete policy, facts, state law, expert evidence, and sometimes professional review.
Does it write an appeal letter?
It exports a preparation packet and correspondence record. It does not auto-generate a legal argument or claim that coverage exists. You can use the organized record when requesting clarification, filing a complaint, or speaking with a qualified professional.
Can I upload scanned PDFs?
Text-based PDFs work best. Image-only scans may contain no extractable text. Use your scanner’s OCR/export-to-text function, then import the searchable PDF or paste the text. Always verify against the visible original.
Does it replace a public adjuster or lawyer?
No. DenialFix does not represent you, negotiate, value loss, interpret law, or recommend a settlement. Public-adjuster licensing and lawyer rules vary by state.
What if the denial is correct?
Then the organizer may help you see the cited exclusion and stop spending time on a route that does not fit. Use the free official/nonprofit sources and seek qualified advice when the stakes or uncertainty justify it.
What is the refund policy?
Money You’re Owed digital products carry a 30-day money-back guarantee. Email [email protected] within 30 days. A refund does not depend on your insurer’s decision.