Demand Letter to an Insurance Company
A demand letter puts the claim, the amount, and the deadline in writing. This generator produces a letter for a first-party claim under your own policy or a third-party liability claim, with the facts, the amount demanded, the documents enclosed, and a response date.
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What this letter must include
- The claim number, policy number (or the insured's name for a third-party claim), and date of loss
- A factual account of what happened, in order, without characterizing fault beyond what you can support
- The coverage provision that applies (first-party) or the liability facts (third-party)
- Itemized damages with a total, and the documents that support each item
- A specific amount demanded
- A response deadline (30 days is customary)
- A list of enclosures
- A reservation of rights sentence so the letter is not read as a final settlement position
Questions
What must a demand letter include?
The claim number, the facts, the coverage or liability basis, an itemized amount, the documents you are enclosing, and a response deadline. The generator will not enable Copy until the required fields are complete.
Should I mention bad faith?
Only if you can describe specific conduct: unreasonable delay, failure to investigate, or misrepresenting policy terms. Unsupported accusations weaken the letter. The explainer under the generator covers what to say instead.
How much time should I give them?
Thirty days is customary and is the response window many state unfair claims practices regulations use. Shorter deadlines are reasonable if the carrier has already had the claim for months.
What if they do not respond?
File a complaint with your state insurance department, which most carriers take seriously, and consult an attorney if the amount justifies it. Keep a copy of the letter and proof of delivery.
Post-Loss Contents Inventory (RCV / ACV / Depreciation) — $19
A demand is only as strong as the itemized damages behind it. The Post-Loss Contents Inventory calculates depreciation and actual cash value the way adjusters do, so your figures hold up.
Free insurance tools
Use the letter generators in your browser, or download the free home inventory and proof-of-loss guide.