INSURANCE BAD FAITH DEMAND LETTER – OHIO

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]
Claim Type: [First-Party / UM-UIM / Property]

1. INTRODUCTION

This letter demands immediate payment. Insurer's conduct constitutes bad faith under Ohio law.

2. FACTUAL BACKGROUND

• Date of Loss: [DATE] — [describe loss]
• Coverage: [$LIMITS]
• Status: [Unpaid / Underpaid / Denied]

3. LEGAL BASIS – OHIO BAD FAITH

Bad Faith Standard

Ohio recognizes first-party bad faith when an insurer denies a claim without reasonable justification. Zoppo v. Homestead Ins. Co., 71 Ohio St.3d 552 (1994).

Unfair and Deceptive Acts (Ohio Rev. Code § 3901.21)

Ohio prohibits unfair claims practices.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Compensatory damages
• Punitive damages for egregious conduct
• Attorney's fees and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]