Partial Denial — Universal Base

Claim letter template for partial denial.

partial denialdenial limitation closureclaimant facing

Update on Your Claim Review

Claim Number: {{claim_number}}

Dear {{claimant_name}},

We have finished our review of your claim. We have found that while some parts of your loss are covered, other parts are not.

What We Are Paying

We have approved payment for the following items:

* {{covered_item_1}} * {{covered_item_2}}

You should receive a separate letter explaining this payment soon.

What Is Not Covered

We have denied coverage for the following items:

* {{denied_item_1}} * {{denied_item_2}}

Why These Items Are Denied

We are denying coverage for these items because of the following reason:

{{denial_reason}}

This decision is based on your policy, specifically the section on {{policy_section}}.

If You Disagree

If you do not agree with our decision, you can:

  1. Send more information: If you have new information you would like us to consider, please send it to us.
  2. Talk to your adjuster: You can call {{adjuster_name}} at {{adjuster_phone}} to talk about this decision.
  3. Contact the Department of Insurance: You also have the right to contact your state's Department of Insurance.

If you have any questions, please let us know.

Sincerely,

{{company_name}} {{adjuster_name}}

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Last reviewed: 2026-03-30