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An Insurance Demand Letter is a critical document in the Canadian insurance claims process, serving as a formal request for compensation or settlement from an insurance company. This document is typically used when initial claim negotiations have stalled or when the insured party needs to formally establish their position regarding compensation. The letter must adhere to Canadian federal and provincial insurance regulations and typically includes detailed information about the insurance policy, incident details, documented damages, and specific compensation demands. It's an essential step before pursuing legal action and often leads to serious settlement negotiations. The document should be drafted with careful attention to provincial limitation periods and insurance regulations, as it may later serve as evidence if legal proceedings become necessary. Insurance Demand Letters are particularly important in cases where there is dispute over claim values, coverage interpretation, or when the insurance company has delayed or denied a claim.

1. Sender's Information: Complete contact information of the claimant or their representative

2. Date: Current date of the letter

3. Recipient's Information: Complete contact information of the insurance company and specific department/representative

4. Policy Information: Insurance policy number and type of coverage

5. Re: Line: Claim number and brief description of the subject matter

6. Incident Details: Clear description of the incident including date, time, location, and circumstances

7. Damages Description: Detailed description of all damages or losses incurred

8. Demand Statement: Specific monetary amount being demanded and justification

9. Response Timeline: Clear deadline for the insurance company's response

10. Closing Statement: Professional closing including any legal consequences of non-response