Insurance Underpayment Demand Letter Generator
Generate a demand letter that formally disputes a lowball or underpaid settlement offer.
Your letter
Not legal, financial, or insurance advice. This tool gives a general, educational estimate only. Insurance laws, deadlines, and formulas vary by state, by policy, and by insurer, and they change over time. Verify anything important with your insurance policy, your state department of insurance, or a licensed attorney before relying on it. This generator produces a first draft based on what you enter. Review it carefully, attach your supporting documents, and consider legal review before sending a large or disputed claim.
Use this when your insurer has offered a settlement that does not reasonably cover your actual repair or replacement cost.
Frequently asked questions
How should I send my demand letter?
Send it by email and by certified mail with return receipt requested, so you have proof of delivery and a timestamp for your deadline.
What should I attach to the letter?
Attach your repair estimate(s), photos of the damage, the police report if one exists, and any relevant receipts. The stronger your documentation, the stronger your position.
What if the insurer doesn't respond by my deadline?
Follow up in writing, consider filing a complaint with your state department of insurance, and — for larger or disputed amounts — consult a consumer or personal injury attorney about next steps, including small claims court.