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Sample Letter Protecting Your Legal Rights
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 preserve your legal rights. The one year anniversary of the date of loss is significant because
most policies have a provision called “Suit Against Us” which gives the insured one year to either settle
their claim or file a lawsuit against their insurer.
The law in your state (called a “Statute of Limitations”), may override the policy’s provision and give
you more time, or the insurance company can extend the time upon your request. Discuss this with your
insurer and follow up by sending a letter like this one to protect your legal right to a fair settlement. For
more information on Statutes of Limitations, see our tip sheet, Protecting Your Legal Rights at the One
Year Anniversary.
(Name of adjuster or highest ranking ins. co