Yes...here is a template for you to modify for your particular facts.
By Certified Mail, Return Receipt Requested
To Whom It May Concern:
I am writing to you concerning difficulties I am having with your company paying my insurance claim. [Describe the situation just as you did in your original narrative].
As an insured, I pay my premiums
on a timely basis and when a situation occurs requiring a claim to be paid, I expect my insurance company to pay the claim. Insurance companies survive based on this trust and are entitled to have confidence where there is a claim that their insurance company will: i) timely pay the claim as promised, and ii) be responsive to their insured’s needs by returning phone calls and emails as well as frequently updating them on the status of their claim. You have basically failed on both of these fronts by refusing to pay my claim in hopes I will simply accept your unilateral and biased decision and by failing to timely respond to my inquiries. I do not know whether this is an isolated incident or not. I suspect that it is not.
I am writing you this letter to give you an opportunity to put this situation to bed by simply agreeing to paying my claim in full. I have very little sense of humor remaining with regard to my experience with you and your company, and this is going to be my only attempt to resolve this amicably. If you do not pay this claim within ten (10) days of this letter, I will immediately file a formal complaint against you with the state insurance board and pursue any and all legal and equitable remedies available to me. This will include causes of action for breach of contract, deceptive trade practice
, failure to reasonably settle, and bad faith.
Should you have any questions concerning this matter or if any part of this letter lacks clarity to you, please do not hesitate to contact me at [Insert Phone Number].