Insurance claim letter with your evidence in order
After a burst pipe, a car accident, a theft or a cancelled trip, you need to tell your insurer what happened and what you are claiming for. This prompt has your todo.is agent read your policy, put the events in order, build an itemized list of losses with values, and write a clear claim letter that matches your policy wording.
The prompt
- Write an insurance claim letter to [INSURANCE COMPANY] for policy number [POLICY NUMBER]. Type of claim: [HOME, CAR, TRAVEL, HEALTH OR OTHER]. What happened: [DATE, TIME, PLACE AND WHAT HAPPENED]. Damage or loss: [WHAT WAS DAMAGED, LOST OR COST YOU MONEY]. I have attached my policy, photos and receipts. Read the policy and tell me which section covers this, the excess or deductible, and the claim deadline. Build an itemized table of losses with value and proof for each, and save it as an Excel file. Then write a claim letter under 400 words, factual and in date order, asking for [WHAT YOU CLAIM]. Give me the letter as a PDF and a list of any evidence still missing.
What to change
- [INSURANCE COMPANY]: Your insurer's name.
- [POLICY NUMBER]: From your policy documents.
- [HOME, CAR, TRAVEL, HEALTH OR OTHER]: Choose one.
- [DATE, TIME, PLACE AND WHAT HAPPENED]: E.g. "3 October 2026, around 2 a.m., a pipe burst in the upstairs bathroom".
- [WHAT WAS DAMAGED, LOST OR COST YOU MONEY]: E.g. "kitchen ceiling, laminate floor, sofa, emergency plumber, 4 nights in a hotel".
- [WHAT YOU CLAIM]: E.g. "repair costs and alternative accommodation" or "the full amount in the attached table".
Example result
- Insurance claim letter (home)
- Tom and Anna Reyes
- 9 Birchwood Close, Bath BA2 4RT
- Policy number: HX-55102
- 6 October 2026
- Claims Department
- Harborview Home Insurance
- Re: Claim for escape of water, policy HX-55102
- Dear Claims Team,
- I am writing to make a claim under Section 2 (Escape of Water) of our home insurance policy.
- What happened
- • 3 October 2026, about 2 a.m.: a pipe under our upstairs bathroom sink burst while we were asleep.
- • 2:20 a.m.: we turned off the water at the main valve and called an emergency plumber, who repaired the pipe by 5 a.m.
- • 3 October, 9 a.m.: I reported the incident by phone (reference CR-77812).
- • Water came through the kitchen ceiling, which partly collapsed, and soaked the kitchen floor and living room sofa.
- Damage and costs
- Our itemized list is attached. In summary:
- • Emergency plumber call-out and repair
- • Kitchen ceiling repair and repainting
- • Replacement of 22 square meters of laminate flooring
- • Replacement of a three-seat sofa (bought March 2024, receipt attached)
- • Four nights in a hotel while the kitchen was unsafe
- What we are claiming
- We ask Harborview to cover the costs in the attached table, minus our policy excess, and to arrange a loss adjuster visit if needed.
- Evidence attached
- • 18 dated photos and a video of the damage
- • Plumber's report
- • Sofa receipt and flooring quote
- • Hotel receipts
- Please let us know if you need anything else. You can reach me on 07700 900456.
- Yours faithfully,
- Tom Reyes
- Itemized loss table (in the Excel file)
- • Item, date bought, cost or quote, proof, notes
- Before you send
- • Check the claim deadline and how to submit it
- • Don't throw away damaged items until the insurer says you can
How to do it with todo.is
- Copy the prompt and describe what happened and what was damaged.
- In todo.is, attach your policy, photos and receipts, then paste the prompt.
- Your agent reads the policy, builds an Excel loss table and writes the claim letter as a PDF.
- Fill any gaps it lists, then submit the claim and keep copies of everything.
Tips for a better result
- Report the incident to your insurer as soon as you can, by phone or online. The letter supports your claim; it does not replace the insurer's own claim form.
- Photograph everything before you clean up, and keep damaged items until the insurer says you can dispose of them.
- Use the policy's own words, like "escape of water" or "accidental damage". It helps the claims handler match your claim to your cover.
- Ask your agent to find replacement prices with links for items without receipts.
- If the claim is refused, use the appeal letter prompt to ask for a review.
insurance claim letter: FAQ
- What should an insurance claim letter include? Your policy number, what happened with dates and times, a list of losses with values, evidence, and what you are claiming.
- How soon should I file an insurance claim? As soon as you can. Many policies require prompt notice, and some set a fixed number of days. Check your policy.
- Can my agent read my insurance policy? Yes. Attach the policy PDF and your agent finds the relevant section, the excess or deductible, and any deadlines. It's a summary, so check the wording yourself.
- What if my insurance claim is denied? Ask for the reason in writing, then appeal through the insurer's complaints process. Many countries also have an insurance ombudsman or regulator.
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