Property

Property insurance covering homeowners, dwelling fire, renters, condo, commercial property, inland marine, and business interruption claims.

Playbook Overview

Category
property casualty
Common Letter Types
acknowledgment, reservation of rights, proof of loss, coverage investigation, partial denial, full denial, payment, catastrophe, status, closing
High Complexity Jurisdictions
california, texas

Overview

Property insurance claims involve some of the most correspondence-intensive workflows, particularly during catastrophe events. The distinction between covered perils and exclusions drives complex reservation-of-rights and denial correspondence.

Key Correspondence Patterns

Residential Property

  • Homeowners / dwelling fire — Proof-of-loss requests, scope-of-loss letters,
ACV/RCV payment explanations, and depreciation holdback notices
  • Renters / condo — Personal-property inventories, loss-of-use correspondence
  • Catastrophe claims — Expedited acknowledgment, consumer notices, temporary
deadline modifications

Commercial Property

  • Building and contents — Detailed proof-of-loss requirements, forensic accounting
correspondence for larger losses
  • Business interruption — Period-of-restoration letters, continuing-expense
explanations, extra-expense documentation requests
  • Inland marine — Specialized valuation correspondence for scheduled items

Jurisdiction-Sensitive Areas

  • California — Fair Claims Settlement Practices Regulations impose specific
requirements for residential-property claim correspondence, including wildfire and smoke-damage guidance
  • Florida — Assignment-of-benefits reform and hurricane-related claim requirements
  • Proof-of-loss forms — State-specific requirements for form, timing, and
waiver-of-proof-of-loss practices

Common Errors

  • Sending ACV payment without adequate explanation of depreciation methodology
  • Failing to request proof of loss within statutory timeframes
  • Inadequate reservation-of-rights language when multiple perils are involved
  • Missing catastrophe-specific consumer notices required by state DOI bulletins

Applicable Letter Templates