[Your Name] [Your Address] [City, State ZIP Code] [Email Address] [Phone Number] [Date] [Insurance Company Name] [Claims Department] [Address] [City, State ZIP Code] Subject: [Policyholder's Name] — Complaint regarding denied insurance claim Dear Sir/Madam, I am writing this letter to express my dissatisfaction with the denial of my insurance claim, policy number [policy number], issued by [Insurance Company Name]. I have been a loyal customer for [number of years] and have always trusted in the service provided by your esteemed organization. However, I am disappointed with the recent handling of my claim and feel compelled to bring this matter to your attention. Firstly, let me provide a detailed account of the circumstances of my claim. On [date], I experienced a [describe the incident or loss] that necessitated me to file an insurance claim under my policy. The incident was promptly reported to your customer service representative, and I have diligently provided all the required documentation and evidence to support my claim. Despite fulfilling all the necessary obligations and adhering to the terms and conditions outlined in the policy, I received a notice of denial dated [date of denial]. The reasoning provided for denying my claim lacks substantial justification and fails to consider the nature of the incident and my entitlement to compensation under the policy. I firmly believe that the denial of my claim is unwarranted and against the principles of fairness and good faith insurance. Moreover, I am disheartened by the inadequate communication and lack of transparency during the claims process. As a diligent policyholder, I have met my obligations, and I expect the same level of commitment and respect from your organization. Considering the aforementioned, I kindly request a thorough review of my denied claim by a competent claims representative. I insist on a fair assessment based on the policy's terms and conditions, as well as applicable state laws and regulations, including but not limited to the Oklahoma Insurance Code. I am hopeful that this matter can be resolved promptly, and the denial of my claim will be overturned. In light of your prompt resolution, I expect immediate reimbursement for the covered expenses stated in my original claim, amounting to $[claim amount]. I trust that [Insurance Company Name] values its customers and aims to provide timely and fair resolution of their claims. I am confident that you will take my concerns seriously and promptly address this matter. Failure to do so may result in me seeking legal counsel to protect my rights as an insured individual. Please acknowledge receipt of this letter within 10 days and provide me with a written response outlining the steps being taken to investigate and resolve my complaint. You may reach me at [your preferred contact information] if further clarification or information is required. Thank you for your immediate attention to this matter. Sincerely, [Your Name]