Letter says 'wear and tear'?
Denied for 'Wear and Tear'? Read This First
Wear-and-tear denials are often appealable. See how to challenge them with the right evidence — PolicyPal drafts the language.
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Why this denial is often beatable
'Wear and tear' is a defensive insurer phrase. To uphold it, they must show the damage was foreseeable and gradual, not sudden. If you can show a triggering event (storm, impact, burst), the denial is usually reversible.
Evidence that overturns the denial
Three things help most:
- Dated photos showing the area was intact recently.
- Weather data for the date of loss (storm reports, utility outages).
- Contractor statement that damage is consistent with a sudden event, not deterioration.
Frequently asked
- How long do I have to appeal?
- Most insurers give 12 months from the denial letter, but regulator deadlines are tighter (often 6 months). Move fast.
- Should I hire a public adjuster?
- For losses under $10,000, usually not worth the fee. For larger losses, yes — they take 10–20% but recover significantly more.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$7 per analysis · No subscription · PDF only