First-Party Property Damage Demand Letter

FIRST-PARTY PROPERTY DAMAGE DEMAND LETTER

[SENDER OR FIRM LETTERHEAD]

[DATE]

To: [INSURER NAME AND CLAIMS ADDRESS]

By: [CONFIRMED DELIVERY METHOD]

Re: Insured [NAME] | Policy [NUMBER] | Claim [NUMBER] | Loss [DATE] | Property [ADDRESS]

Dear [ADJUSTER OR CLAIMS CONTACT]:

I represent [INSURED NAME] concerning the property loss identified above. The insured requests payment of the $[UNPAID BALANCE] calculated below, after crediting amounts already paid, under the coverage identified below. This demand is based on the enclosed estimate and records. Please identify any missing information needed to evaluate it.

Policy and claim

The issued policy is [POLICY FORM/EDITION] for [PERIOD], with endorsement(s) [IDENTIFY]. The relevant coverage is [EXACT COVERAGE AND POLICY PROVISION]; its applicable limit, deductible, sublimit, valuation provision, and conditions are [DETAILS]. The insured reported the loss on [DATE], supplied [PROOF/RECORDS] on [DATE], and received [INSURER POSITION AND DATE].

The loss occurred when [FACTUAL DESCRIPTION OF EVENT AND CAUSE]. [SOURCE OF CAUSE EVIDENCE] supports this account. The disputed property and proposed work are [SPECIFIC PROPERTY AND SCOPE]. The insurer's explanation was [QUOTE OR SUMMARIZE ACTUAL POSITION]. We dispute [SPECIFIC EXCLUSION, CAUSE, SCOPE, VALUATION OR CONDITION] because [RECORD-SUPPORTED REASON].

Amount requested

The total reflects [DEDUCTIBLE, DEPRECIATION, SUBLIMITS AND PRIOR PAYMENTS AS APPLICABLE]. The requested contractor overhead and profit is $[AMOUNT], supported by [PROJECT-SPECIFIC EVIDENCE] and [IDENTIFIED POLICY OR CURRENT STATE AUTHORITY]. The requested replacement-cost holdback is $[AMOUNT] under [EXACT POLICY TERM], with [WORK STATUS AND SUPPORTING RECORD].

We request that you (1) pay the supported balance of $[AMOUNT] by [REQUESTED RESPONSE DATE]; (2) state in writing the exact policy provision and factual basis for any remaining denial or reduction; and (3) identify any additional documents or inspection needed. Under [QUOTED APPRAISAL CLAUSE AND PREREQUISITES], [INSURED] also requests [APPRAISAL STEP].

Please send the response to [CONTACT AND PAYMENT INSTRUCTIONS]. This requested response date is a settlement target. We do not intend by this letter to relinquish any policy claim or available remedy.

Sincerely,

[NAME]

[TITLE / FIRM, IF ANY]

[CONTACT INFORMATION]

Enclosures: [POLICY EXCERPT]; [ESTIMATES]; [PHOTOS]; [INVENTORY]; [RECEIPTS]; [CLAIM CORRESPONDENCE]