Start by thoroughly reviewing your policy to ensure your claim falls within the coverage terms. 

Document all communications (inc. emails, letters, phone calls, noting dates, etc.) 

Request a written explanation and file an internal appeal, adhering to the insurer’s procedures. 

If unresolved, escalate the issue to your state’s insurance department, which can mediate disputes and investigate potential violations. 

Consulting a lawyer specializing in insurance law may be necessary to enforce your right. 

You can also simultaneously file a complaint through the National Association of insurance Commissioners (NAIC) or Consumer Financial Protection Bureau (CFPB).

DO NOT DELAY in hiring a lawyer, since that could greatly prejudice your case.