Subject
Request for reconsideration — Claim [CLAIM NUMBER] — Date of loss [DATE]
Opening
I request reconsideration of the decision dated [DENIAL DATE]. The decision cites wear and tear, but the enclosed evidence distinguishes the claimed accident damage from ordinary deterioration or maintenance.
Evidence summary
Exhibit A is the written denial and cited policy language. Exhibit B contains dated photographs. Exhibit C is the itemized repair estimate. Exhibit D is the signed technical statement explaining why the disputed damage is consistent with the reported event.
Requested response
Please identify the inspection finding and policy provision applied to each disputed repair item, confirm review of the numbered exhibits and provide the next claim-review step in writing.
Closing
Please send the written response to [EMAIL OR MAILING ADDRESS]. Sincerely, [POLICYHOLDER NAME].
Customization checklist
- Use the claim-review address printed in the denial; do not guess a headquarters address.
- Remove any sentence that is not supported by your photographs, estimate or technical evidence.
- Check the policy and state-specific deadline before sending the request.
What this resource does — and does not — establish
Is this letter legal advice?
No. It is an educational template and does not replace advice from a licensed professional familiar with your documents and jurisdiction.
Can I copy the whole template?
Yes, but replace every placeholder and delete unsupported statements. A useful appeal should match the actual denial, policy language and evidence.
Does DenialFight guarantee reconsideration?
No. Submission and outcome depend on the insurer’s process, policy, jurisdiction and evidence.