Make an Insurance Claim • Letter Templates and Guide

Guide

1Explain that you are making a claim and describe the specific details of the claim. Include the policy number.
2State the estimated or official dollar amount you are claiming.
3Refer to any enclosed documents such as claim forms, repair estimates, police reports, medical records or receipts, or ask about additional documents needed to make your claim.
4Encourage a reply and thank the reader.

Tips

Keep this letter concise and professional. Make your request specific and, as necessary, refer to any enclosed documents. The letter will usually follow up on a telephone call, which should have been made as soon as possible after the event or accident.

Example Letter #1

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I am filing a claim on my auto insurance to cover the cost of repairing the damage that the recent storm caused to my sports car. The car was parked under a carport, where it was safe from the hail, but the wind brought the carport roof down, causing extensive damage to the top and hood of the car.

I am enclosing three repair estimates. They range from a low of $2,746.00 to $3,468.00. My policy, #55555, has a $400.00 deductible. Thank you for your assistance. I am eager to have repairs completed as soon as possible.

Example Letter #2

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I need to make a claim on my home owner's insurance policy #123. According to three appraisals (copies enclosed) my Rolex watch that was stolen from my home was valued at $7,500. Naturally, the replacement cost is higher, $8,900, as the watch was two years old. The appraisals will bear out these figures. Please reply as soon as possible. Thank you for your time.

Example Letter #3

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My wife, Jane Doe, fell and broke her arm while we were traveling in California last month. She was treated at the California Medical Center, where, as out-of-state visitors, we were required to pay for her care at the time treatment was received. The total came to $1200. I did contact our Primary Care Physician, Doctor Smith, within 24 hours of the accident, as required by the terms of our policy.

Our policy number is 12345. I have enclosed the statements and receipts from the California Medical Center. Please reimburse me as soon as possible.

Example Letter #4

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I need to make a claim on my insurance policy #1234. As I mentioned in my phone call last Friday, my mountain bike was stolen last Thursday night from outside the Springfield Public Library. The bike was locked to a bicycle rack. I reported the theft to the Springfield police as soon as I noticed that the bike was missing, but they have not been able to locate it.

I bought the bike new for $695, and had had it for only three months. The helmet was an additional $35. I no longer have the receipt for the helmet, but have enclosed a copy of the receipt for the bike. Please pay my claim as soon as possible, as I rely on the bike for transportation to work. I am aware of my policy's $250 deductible.

Write Your Letter Step-by-Step

1

Explain that you are making a claim and describe the specific details of the claim. Include the policy number.

Example Sentences

Example Phrases

2

State the estimated or official dollar amount you are claiming.

Example Sentences

Example Phrases