After a claim occurs, one of the first questions we ask policyholders is, “Do you have a full copy of your insurance policy?”
The reason for this question is this is “the Bible,” letting us know as your potential representative, what coverages you have in your policy that will enable us to assist you with your claim.
There are clauses and information that mean something to AJR, with our 32 + year experience. Knowing where to look in the policy for additional coverages is the benefit of hiring an experienced public adjuster to represent you with your insurance claim.
This policy was probably given to you when you first signed up with the insurance company. Over the years, the insurance company may have only sent renewal letters and not the complete policy again.
A sample letter adapted from a United Policyholders template shows how to request your insurance carrier this policy that is needed to negotiate your claim for you.
Sample Letter Requesting Complete Copy of Homeowners Policy
NOTE: This letter is a sample that must be customized to fit the facts of your individual situation and claim. All bracketed and underlined portions must be completed or revised before sending. Use this letter to request a complete copy of your homeowners’ policy from your insurance company.
(Name of adjuster or highest ranking ins. co. employee) (Name of Insurance Co.)
Re: Claim Number _____________
Date of Loss: __________________
Name of Insured: _______________________ Address of Insured Property: _____________
Dear [INSURANCE COMPANY],
Please send me a complete and certified copy of my homeowner’s insurance policy, including all declarations, endorsements, riders, and any changes to the insurance policy that would affect coverage at the time of the above-noted loss. Please send it to the mailing address listed below within fifteen (15) calendar days of this letter’s date.
Thank you in advance for your prompt handling of my request. I look forward to receiving the above-requested documents and working with [INSURANCE COMPANY] to complete the claim process.
YOUR NAME MAILING ADDRESS
Call AJR Public Adjusters first with your next insurance claim.
We can be reached at (602) 795-5227 or firstname.lastname@example.org