Denied an Insurance Claim? Our Lawyers Can Help.
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If your insurance company has denied your claim, it can feel frustrating and unfair — especially when you’ve paid premiums in good faith. But a denial doesn’t always mean the end of the road. At Cote & Evans, our experienced insurance denial lawyers in Surrey help individuals challenge wrongful denials and recover the benefits they’re entitled to.
Whether you’ve been denied long-term disability, life insurance, critical illness coverage, or a home insurance claim, we’re here to provide clear legal advice and strong representation. We’ll help you understand your rights and fight back when insurers act in bad faith or use vague policy language to avoid paying out.
Types of Insurance Denials We Handle
At Cote & Evans, we represent clients facing a wide range of denied insurance claims. No matter the type of policy, we can help you understand your legal options and push back against unfair or bad faith decisions.
Disability Insurance Denials
Have you been denied short-term or long-term disability (LTD) benefits? Insurers often reject claims due to insufficient medical evidence or alleged pre-existing conditions. We can help gather the necessary documentation and challenge the denial.Life Insurance Denials
Life insurance claims may be denied based on misrepresentation, non-disclosure, or disputes over beneficiaries. We’ll review the policy and fight for the payout your loved one intended you to receive.Critical Illness Insurance Denials
Insurers sometimes rely on narrow definitions or policy loopholes to deny claims for covered illnesses. If you’ve been diagnosed with a serious condition and denied a critical illness benefit, we’ll work to hold the insurer accountable.Home & Property Insurance Denials
Claims for fire, flood, theft, or property damage can be rejected due to exclusions or technicalities. We can review your policy, assess the loss, and dispute the denial on your behalf.Bad Faith Insurance Practices
If your insurance provider has unreasonably delayed or denied your claim, failed to investigate properly, or acted dishonestly, you may have grounds for a bad faith claim. We can help you pursue additional compensation in these cases.
Why Insurance Companies Deny Claims
Insurance companies are in the business of minimizing payouts — and unfortunately, valid claims are sometimes denied without proper justification. Common reasons for denial include:
Alleged non-disclosure or misrepresentation
The insurer may claim you didn’t disclose a health condition, lifestyle detail, or other information — even if it was unintentional or irrelevant.Policy exclusions or fine print
Denials often hinge on technical wording buried in the policy, which can be misinterpreted or used to exclude your specific situation.Insufficient medical or supporting evidence
In disability or critical illness cases, insurers may argue that your condition doesn’t meet their threshold — even when doctors disagree.Administrative errors or delays
Some denials are the result of poor internal communication, lost documents, or missed deadlines — none of which should impact your right to benefits.Bad faith conduct
In some cases, insurers fail to properly investigate, delay communication, or pressure you into accepting a low settlement. These are signs of bad faith.
At Cote & Evans, we understand these tactics — and we know how to respond. If you believe your claim was unfairly denied, we’ll help you stand up to the insurer and protect your rights.
Our Insurance Denial Law Services
- ICBC Insurance Denial
- Home Insurance Denial
How We Help
Challenging an insurance denial can feel overwhelming — especially when you’re already dealing with illness, loss, or financial stress. That’s where we come in. At Cote & Evans, we take the burden off your shoulders and provide clear, results-driven legal support from start to finish.
Here’s how we help:
Reviewing Your Denial
We start by carefully analyzing your denial letter, insurance policy, and any supporting documents to identify the insurer’s reasoning and potential legal issues.Building Your Case
Our team gathers additional evidence, medical reports, expert opinions, and other documentation needed to strengthen your claim.Negotiating with the Insurer
We engage directly with the insurance company to dispute the denial and seek a fair resolution, using every available legal argument to support your case.Taking Legal Action if Needed
If the insurer refuses to settle or continues to act in bad faith, we’re fully prepared to take your case to court and fight for the compensation you’re owed.
Our goal is to resolve your claim as efficiently and effectively as possible — while keeping you informed every step of the way.
Our Insurance Law Team
Phil Cote
Partner
SHREYA BOSE
ASSOCIATE
ELIZABETH DUKE
ASSOCIATE
JESSICA MORNEAU
ASSOCIATE
PAUL SEKHON
ASSOCIATE
ANGELA BARNA
ASSOCIATE
BANEET HANS
ASSOCIATE
JESSICA WOZNIAK
ASSOCIATE
HEATHER MIDDLEMASS
ASSOCIATE
Why us?
Proven Expertise
Our team has a strong track record of successfully navigating complex legal cases, ensuring the best outcomes for our clients.
Trusted Advocates
Clients rely on our dedication and commitment to provide personalized and effective legal representation.
Client Focused
Your priorities are our priorities; we work tirelessly to protect your interests and achieve your goals.
Results Driven
FAQ's
Start by reading the denial letter carefully and gathering all related documentation, including your policy and any correspondence with the insurer. Then, contact a lawyer. At Cote & Evans, we’ll review your case and advise you on the best course of action.
Yes — especially if you believe your claim was unfairly denied. Many initial denials are overturned once additional evidence is provided or the insurer is formally challenged. Our lawyers can help you assess your chances and take action.
Time limits vary depending on the type of policy and claim. Some insurance disputes must be initiated within as little as two years. It’s important to act quickly — we can help determine your specific timeline.
You can try, but insurance policies are complex and insurers often have entire legal teams on their side. Working with an experienced insurance denial lawyer increases your chances of success and helps you avoid costly mistakes.
At Cote & Evans, we offer free consultations and flexible fee arrangements. In many cases, we work on a contingency basis — meaning you don’t pay unless we recover compensation for you.
Get Help With Your Denied Insurance Claim
If your insurance company has denied or delayed your claim, you don’t have to face it alone. At Cote & Evans, we’re committed to helping you get the benefits you’re rightfully owed.
Contact us today for a free consultation with an experienced insurance denial lawyer in Surrey — and take the first step toward resolving your claim with confidence.