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This is a letter that can be used to reject an insurer's offer when items of the policyholder's property has sustained damage or been lost.
The document provides a simple template that enables a person to set out the key facts that are required to request that the insurer's reconsider their offer based on a higher valuation.
How to use this document
Once you have completed this document simply post it to the insurers, and wait for them to write to you. If you do not hear from them within 14 days you may wish to consider further action with the financial ombudsman or small claims court.
The letter should be sent as soon as possible after the offer to be rejected was made but in any event, before you commence any action in court.
In order to prove that the letter was sent, you may wish to send it by recorded delivery, or keep a receipt or other proof of posting.
Moreover, you may wish to obtain and enclose an independent valuation to support the claim for a higher valuation.
The relationship is subject to the principles of contract and insurance law.
Help from a lawyer
You can choose to consult a lawyer if you need help.
The lawyer can answer your questions or help you through the process. You will be offered this option when you complete the document.
How to modify the template
You fill out a form. The document is created before your eyes as you respond to the questions.
At the end, you receive it in Word and PDF formats. You can modify it and reuse it.