INSURANCE BAD FAITH DEMAND LETTER – DISTRICT OF COLUMBIA

To: [Insurance Company Name, Claims Department Address]
From: [Insured/Claimant Name, via Counsel if applicable]
Date: [DATE]
Claim Number: [CLAIM NUMBER]
Policy Number: [POLICY NUMBER]
Insured: [INSURED NAME]
Date of Loss: [DATE OF LOSS]
Type of Coverage: [Coverage Type]

1. INTRODUCTION AND PURPOSE

This letter constitutes a formal demand to [INSURANCE COMPANY] ("Insurer") for immediate payment of all benefits owed under the above-referenced policy.

2. FACTUAL BACKGROUND

• Date of Loss: [DATE] — [describe loss]
• Timely Notice: Provided on [DATE]
• Cooperation: Full cooperation provided
• Coverage: Covered loss with limits of [$LIMITS]

3. CLAIM HISTORY AND INSURER'S CONDUCT

• [DATE]: Claim submitted
• [DATE]: [Describe delays, denials, or misconduct]
• Current status: [Unpaid / Underpaid / Denied]

4. LEGAL BASIS – DC BAD FAITH

Under DC law, insurers owe a duty of good faith and fair dealing. D.C. Code § 31-2231.17 prohibits unfair claim settlement practices, including unreasonable delays and denials without proper investigation.

5. DAMAGES

Insured demands:
- Policy benefits: [$AMOUNT]

If litigation required:
- Consequential damages
- Punitive damages
- Attorney's fees and costs

6. DEMAND AND DEADLINE

Deadline: [DATE – 30 days]

7. PRESERVATION NOTICE

Preserve all claim file documents.

8. ATTACHMENTS

• Exhibit A: Policy declarations
• Exhibit B: Loss documentation
• Exhibit C: Correspondence

Signed:
[Name / Attorney]
[Contact Information]