Reply to a repudiation

A reasoned answer to a refusal, dealing with the ground the insurer actually relied on.

Letter/Templates/As soon as possible, and inside the time limit for challenging

When to send itAs soon as possible, and inside the time limit for challenging

Why it existsA repudiation is the insurer's opening position on a stated ground. This letter is not a complaint: it asks the insurer to identify precisely what it relies on, which is the question that most often moves a file, because a ground that cannot be stated precisely usually cannot be defended.

Claims DeskbyReply to a repudiationAs soon as possible, and inside the time limit for challenging

To: [INSURER NAME] - Claims Department
Subject: Claim [CLAIM NUMBER] - Policy [POLICY NUMBER] - reply to your letter
         of [DATE OF THEIR LETTER]

Dear Sir or Madam,

We refer to your letter of [DATE OF THEIR LETTER] declining our claim arising
from the loss of [DATE OF LOSS].

Your letter states that the claim is not payable on the ground that
[THE GROUND THEY GAVE].

We do not accept that position, for the following reasons.

[WHY IT DOES NOT APPLY]

We enclose [WHAT YOU ARE ENCLOSING] in support.

So that we can deal with your decision properly, please provide:

  1. The exact clause, condition, warranty or exclusion in the policy wording
     that you rely on, quoted in full and identified by number.
  2. A copy of the surveyor's report and of any investigation report relied on
     in reaching this decision.
  3. The facts on which you say that clause is engaged in this case.
  4. Confirmation of the name and address of your grievance redressal officer.

We ask you to reconsider the decision in the light of the above. We reserve all
our rights, including our right to take the matter to your grievance cell and
to the Insurance Ombudsman, and nothing in this letter is to be treated as
acceptance of your position or as a waiver of any right.

Please respond within your published grievance response time.

Yours faithfully,

[YOUR NAME]
[DESIGNATION]
[BUSINESS NAME]
[PHONE] / [EMAIL]

13 brackets still to fill.

Fill it in here

nothing is stored

Type the answers and the letter above fills itself in. What you type is used to build the page and then thrown away; none of it is written down at this end. Close the tab and it is gone.

Before you sendKeep proof that it went. Email is fine and a delivery receipt is better. Nothing here is legal advice, and what your policy pays is decided by its wording and the facts of your loss.

Want us to word it for your claim instead? Report a loss or call 92514 56334.

Three deadlines

Tell the insurer now, not after the assessment.
Notice to anybody else responsible the carrier, the contractor, the police, within the time your policy sets.
Every document within the time the insurer asks for it.