There is no hard and fast answer. Insurance claims can sometimes be quite straightforward and are paid with little dispute. Generally speaking, there is no need to get an attorney involved before a claim is denied by the insurer. But once a claim is denied, it is very important to have experienced legal counsel involved as soon as possible. There are often short time frames involved for appealling denied claims. And if you don't present arguments or evidence in the appeal process BEFORE litigation begins, you will probably not be able to present them in court. Don't delay in getting competent legal help!