3 Letter of Reconsideration for Insurance Claims Templates: Beat Denials

To appeal an insurance claim denial, use our templates focused on factual errors, new evidence, or procedural errors to clearly present your case with any new information. These adaptable templates are crafted for your specific situation.

1. Factual Errors





[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Insurance Company Name]
[Claims Department]
[Company Address]
[City, State, ZIP Code]

Dear Claims Adjuster,

Subject: Reconsideration of Denied Claim [Claim Number]

I am writing to request a reconsideration of my insurance claim dated [Insert Date], which was denied on [Insert Denial Date]. I believe this decision was based on factual errors in the evaluation of my case.

Upon reviewing the denial letter, I noticed discrepancies regarding [Specify the Errors – e.g., incorrect vehicle model, misinterpretation of the policy coverage, date of the incident]. 

Attached to this letter, you will find documented evidence to correct these errors, including [List Attached Documents – e.g., photographs of the incident, a corrected incident report, policy documents highlighting relevant coverage].

I respectfully request a thorough re-evaluation of my claim considering this new information. I believe that once these factual inaccuracies are corrected, my claim falls well within the scope of my policy coverage.

Thank you for taking the time to reconsider my claim. Please do not hesitate to contact me at [Your Phone Number] or [Your Email Address] if you need any further information or documentation.

Sincerely,

[Your Name]
[Attachments]


2. New Evidence

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Insurance Company Name]
[Claims Department]
[Company Address]
[City, State, ZIP Code]

Dear Claims Adjuster,

Subject: Reconsideration of Denied Claim [Claim Number]

I am writing to appeal the denial of my insurance claim [Claim Number], dated [Insert Date]. After receiving the denial notification on [Insert Denial Date], I have obtained new evidence that strongly supports my claim.

The initial decision appears to have been made without this critical information, which includes [Describe the New Evidence – e.g., expert evaluations, witness statements, medical records]. 

Enclosed, please find [List the Documents and Evidence provided], which I believe substantiate my claim and demonstrate my eligibility for coverage under the terms of my policy.

Given this additional evidence, I respectfully request that my claim be re-evaluated in light of these new facts. I am confident that this evidence clearly supports my claim and justifies coverage under my policy.

I appreciate your attention to this matter and look forward to your prompt response. Should you require any further information or clarification, please contact me directly at [Your Phone Number] or [Your Email Address].

Sincerely,

[Your Name]
[Attachments]


3. Procedural Errors

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Insurance Company Name]
[Claims Department]
[Company Address]
[City, State, ZIP Code]

Dear Claims Adjuster,

Subject: Request for Reconsideration – Claim [Claim Number]

I am reaching out to formally request a reconsideration of the denial of my insurance claim, which was filed on [Insert Date] and denied on [Insert Denial Date]. After reviewing the details surrounding the denial, I believe that a procedural error may have affected the outcome of my claim.

Specifically, I am concerned that [Describe the Procedural Error – e.g., the claim was not reviewed by a specialist in the type of damage reported, critical documents were overlooked, communication issues led to missing information]. 

To address these issues, I have attached [List Documents and Information – e.g., emails indicating submission of documents, a log of communications, additional reports].

Given the possibility of a procedural oversight, I kindly request a re-examination of my claim, taking into consideration the proper procedures and any overlooked information. I am hopeful for a fair and comprehensive review of my case in accordance with the terms of my policy.

I am available for any further discussion or to provide additional documentation as needed. You can reach me at [Your Phone Number] or [Your Email Address]. Thank you for your consideration and for addressing this matter promptly.

Sincerely,

[Your Name]
[Attachments]


When using these templates, it’s crucial to customize them with your specific details, including any relevant dates, claim numbers, and specific evidence or errors related to your case. This personalization will help strengthen your appeal and increase the chances of a favorable reconsideration of your claim.

Leave a Comment

Your email address will not be published. Required fields are marked *