When a claim is denied there are several options available:the claim can be reviewed by the decision makerthe claim can then be reviewed by the insurer’s internal dispute resolution processthe claim can be referred to FOS (Financial Ombudsman Service)the parties can seek mediationthe parties can choose to litigateMediation and litigation are not suitable if there is no grounds to argue the denial. A review of a denied claim is always a smart option before more assertive options are pursued.