NOTE: The sample letter below must be customized to the facts of your individual situation and claim. All portions that are in parentheses and/or underlined must be completed or revised and anything in italics should be removed before you send it.



(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 _______________,


We are continuing to do our best to document our loss and cooperate with your company to reach a fair and full settlement. We are writing to request the following extension(s):


1) The “Suit Against Us” clause: Please confirm that you will “toll” the “Suit Against Us” clause while our claim is open, and that you will not enforce the that clause until one year after you have informed us in writing that you have completed the claim adjustment process and/or closed our claim;


2) The (180 day) (one-year) deadline to repair/replace property in order to collect full replacement value. Please confirm that you will grant us an extension of time to make or complete replacement cost claims to at least two years from the date of loss;


3) ALE/Loss of Use benefits: Please extend our ALE/Loss of Use Benefits from one year to _____________ (fill in the amount of time that you think it will reasonably take you to complete repair/replacement). We need additional time to rebuild and need an extension of our ALE/Loss of Use benefits to do so. (You can add in whatever facts support your assertion that you have moved the rebuild along as fast as possible, yet need additional time).


Thank you for providing a written response to the above request(s) within one week of the date of this letter.