Insurance Claim Denial — insurance company denying valid claim

I'm dealing with a situation and need some guidance.

insurance company denying valid claim. I've been dealing with this for about 8 weeks now and the situation isn't improving.

I have already done some research online but did not get a clear answer.

Am I overthinking this or is this a real legal issue worth pursuing?

I've dealt with this before.

I ended up filing with the appropriate government agency, which cost about $4-8 but saved me a lot more in the long run.

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

I practice in this area. Here's my take on the legal issues.

This is a common situation and the law is fairly clear. Under the relevant statute, actionable.

The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.