Got a denial or underpayment letter?
That letter is the worst moment of the claim — and the moment you most need to understand exactly what it says. Upload it, and Havn.ai explains it in plain language: what was denied or reduced, the reasons the letter states, and the exact passages from your own policy it relies on, quoted with page numbers.
What you get back
- Plain-language summary. What the letter actually decides, without the jargon.
- The stated reasons, listed. Separated out one by one, so a paragraph that quietly contains three separate grounds doesn't read as one.
- Your policy's own words. Every related passage quoted from your uploaded documents, with the file and page — never an invented policy term, and never a paraphrase standing in for the text.
- Points to discuss. Hedged, practical questions to raise with your adjuster or a licensed professional — organized, so you walk into that conversation prepared.
If your documents don't contain the clause the letter leans on, Havn.ai says so rather than filling the gap. That absence is itself worth knowing before you make a phone call.
Denied, underpaid, or partially denied?
They read alike and mean different things, and the difference decides what you do next.
- Denial. The carrier says the loss isn't covered at all — usually citing an exclusion, a policy condition, or a coverage that isn't on your policy.
- Partial denial. Part of the loss is covered and part isn't. The letter often only discusses the part being refused, so it's easy to miss what was accepted.
- Underpayment. Coverage isn't disputed — the amount is. Depreciation, scope, or unit pricing on the estimate is where these live, which is why comparing estimates line by line matters more here than reading the letter twice.
What Havn.ai will not do
It won't tell you whether to appeal, won't draft an appeal, won't assess whether the denial was correct, and won't predict an outcome. Those are the work of a licensed public adjuster or an attorney, and software that pretends otherwise is doing you harm. What it does is make sure you understand the letter and have your documents in order before you pay someone for their time.
This is general information, not legal or insurance advice. Every policy is different, and only your own policy and your state's rules decide your claim. For advice, talk to your adjuster, a licensed public adjuster, or an attorney.
Before you respond
- Note any deadline the letter states, and record it — Havn.ai will remind you.
- Pull the exact policy pages the letter cites and read them yourself alongside the summary.
- Get the full estimate and your own contractor's estimate side by side if the dispute is about amount.
- Have the timeline ready: when you reported, when they inspected, what was said on each call.
Upload the letter and see it explained
Free to start, in your browser. Your documents stay private to your account.