You can use a version of this letter if you feel you have a good case for requesting reformation of your insurance policy. Some examples of when you might try this approach include: you requested a complete review of your policy prior to your loss; you requested coverage for a new feature of your home and it’s not reflected in your policy; you asked your insurance company to be sure you had adequate coverage to replace your home. You will have a much better chance of success if you have documentation of your request, so do your best to find that documentation.

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. (PRINT THIS DOCUMENT AS A PDF)

Re: Claim Number _____________
Loan Number ______________
Date of Loss: _____________
Name of Insured: _______________________
Address of Insured Property: _________________________________________

Dear [Insurance Company],

As you are aware, I lost my primary residence in [disaster name] on [date] and am significantly underinsured.  I am continuing to do my best to document my loss and work with your company to reach a fair and full settlement of my claim, but I need your cooperation so I can replace my destroyed home and possessions.

I am writing to request a retroactive reformation of my policy to bring the limits up to where they should have been had your company applied your expertise to insure my home to value.

On [date], I [describe how/when you asked for your dwelling limit to be increased  or for additional coverage].  I relied on your expertise and assurances that my policy limits were adequate. [Insert specific details about your situation and your inadequate coverage.]  My dwelling appears to be underinsured by approximately [$________].  I will of course pay the difference in the premium you charged and the premium you should have charged had you adequately insured by dwelling. 

Please send your response to the mailing address listed below within fifteen (15) calendar days of the date of this letter. Thank you in advance for your prompt handling of my request. I look forward to your response and to working with [INSURANCE COMPANY] to complete the claim process.

Sincerely,

The information presented in this publication is for general informational purposes, and is not a substitute for legal advice. If you have a specific legal issue or problem, United Policyholders recommends that you consult with an attorney. Guidance on hiring professional help can be found in the “Find Help” section of www.uphelp.org. United Policyholders does not sell insurance or certify, endorse or warrant any of the insurance products, vendors or professionals identified at our website. © 2025 United Policyholders, All rights reserved.