Available Templates
Select a template to view the full letter with instructions and customization tips.
Bad Faith Demand Letter
For unreasonable claim handlingA formal demand letter to send when your insurer has unreasonably delayed, denied, or undervalued your claim. Puts them on notice of potential bad faith liability.
- Cites specific bad faith violations
- Demands policy benefits plus damages
- Sets deadline for response
- Creates paper trail for litigation
Claim Appeal Letter
For denied or underpaid claimsA structured appeal letter for when your claim has been denied or the settlement offer is too low. Presents your case clearly with supporting evidence.
- Addresses denial reasons point-by-point
- References policy language
- Organizes supporting evidence
- Requests specific resolution
DOI Complaint Template
State insurance regulator complaintA template for filing a complaint with your state Department of Insurance. Regulators can investigate and pressure insurers to comply with the law.
- Structured for regulatory review
- Cites relevant regulations
- Documents timeline of events
- Requests specific regulatory action
California has some of the strongest consumer protection laws for insurance claims. The California Fair Claims Settlement Practices Regulations (Cal. Code Regs. tit. 10, Section 2695.1 et seq.) impose specific duties on insurers, including response deadlines, communication requirements, and prohibition of lowball tactics. Each template includes California-specific language you can use if you're a California policyholder.
How to Use These Templates
Choose the Right Template
Select based on your situation: demand letter for bad faith, appeal for denials, DOI complaint for regulatory violations.
Gather Your Documents
Collect your policy, denial letters, correspondence, and evidence supporting your claim.
Customize Thoroughly
Replace all bracketed placeholders with your specific information. Remove sections that don't apply.
Send Properly
Use certified mail with return receipt requested. Keep copies of everything you send.
These templates are starting points, not substitutes for legal advice. Every insurance dispute is different, and the effectiveness of any letter depends on the specific facts, applicable law, and how it's customized for your situation. For significant claims or complex disputes, I strongly recommend consulting with an attorney before sending any formal correspondence to your insurer.
Need Professional Help With Your Letter?
Templates are a great starting point, but a professionally drafted letter carries more weight. I can draft a customized demand letter, appeal, or complaint tailored to your specific situation and applicable law.