Appeal an insurance claim refusal with a clear case

Help me appeal an insurance claim refusal.

What the claim was for: [summary]
Policy type: [home, car, travel, other]
Their refusal reasons: [paste or list]
My facts and evidence: [dates, photos, reports, receipts]
What I want: [pay the claim, review again, other]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A point-by-point response to each refusal reason.
2. An evidence list matched to each point.
3. A calm cover note.
4. When to complain through their process and when to consider the Financial Ombudsman, marked for me to check time limits.
5. What not to admit or invent.

Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. This is help organising my own numbers and wording, not financial advice; point me to MoneyHelper, GOV.UK or Citizens Advice for guidance, and to a free regulated debt adviser if I'm struggling to pay. UK English.

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