Refuse a denial of responsibility by an insurance company

If you feel your insurance company has incorrectly refused your claim on the grounds that the damage was caused by an event that isn't covered by your policy, this letter will raise a formal complaint with them. Before sending it, you should have obtained the second opinion of an assessor. If you have not obtained the opinion of an assessor then use our ‘Complaint to an insurer about the rejection of a claim’ letter instead. Note that this document is only suitable for claims that involve damage to tangible property and should only be used in the UK.