Insurance Claim Denied in Arizona? Free Review

Q: What do you need to review my case?

The denial letter and your policy declarations page. Photos of the damage and a contractor estimate are helpful but not required.

We don't do personal injury. We don't do defense. We do this.

WJ Gould Law represents Arizona homeowners and small businesses against insurance carriers in first-party property claims. That is the entire practice. Hail, wind, fire, water, roof, tree, smoke — denied, delayed, or underpaid. We don't handle anything else, because focus is the only edge a small firm has against carriers who handle ten thousand claims a year.

Five signs your denial is worth a second look

The denial cites a vague exclusion: "wear and tear," "pre-existing," "wind-driven rain," "gradual," or similar.
The carrier's estimate is more than 20% below an independent contractor's estimate.
The carrier has been "reviewing" the claim for 60+ days without movement.
The carrier has requested an Examination Under Oath.
The denial cites hail-strike data showing no hail on the date of loss — but you have storm photos or neighbor reports that say otherwise.

What happens after you send us your denial letter

We review the denial letter, your policy declarations, and your loss documentation. Free.
Within 48 hours we call you with a straight read — is the denial defensible, are there facts the carrier missed, what does the path forward look like?
If we take the case, you sign a contingency-fee agreement. No fee unless we recover.
We move the file. The carrier hears from us directly. You stop being the one in the middle.

Send your denial letter today — free review

Call (602) 999-0158 or send your denial letter and policy declarations to intake@wjgouldlaw.com.

Send my denial letter

Email: intake@wjgouldlaw.com · Phone: (602) 999-0158

Frequently asked questions

How much does it cost?

Nothing up front, and no fee unless we recover. The initial review of your denial and policy is free. If we take the case, our fee comes from the recovery — not from you out of pocket.

How long do I have to fight a denial?

Arizona's statute of limitations on breach of insurance contract is six years (A.R.S. § 12-548). However, most policies contain a contractual "suit limitation" clause that is shorter — often one or two years. The clock matters, and the sooner you start, the more options you have.

What do you need to review my case?

Two documents: the denial letter (and any other correspondence from the carrier) and your policy declarations page. Photos of the damage and a contractor estimate are helpful but not required to start.

Your insurance claim was denied. Now what?

Send your denial letter for a free review

We don't do personal injury. We don't do defense. We do this.

Five signs your denial is worth a second look

What happens after you send us your denial letter

Send your denial letter today — free review

Frequently asked questions