Request letter for recoverable depreciation

Fill in your details to create a letter asking your insurer to release the money held back until repairs. Edit it as you need, then copy or print it.

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Enable JavaScript to fill in the letter. Below is the blank sample letter — replace each [BRACKETED] part before sending.

Your details

Nothing you type here is stored or sent anywhere — the letter is built in your browser.

About you
Your insurer and claim

If you know it, the letter is addressed to them.

For example: June 2, 2026

Repairs and amounts

The total of your final repair invoices.

From the calculator, this is your expected total minus the payments you have received — or minus the estimated first payment if you did not enter any payments.

Your letter

Sample only — edit before sending

You can edit the letter directly.

This is a sample letter, not legal advice. Your policy wording controls.

[TODAY'S DATE] [INSURANCE COMPANY] Claims Department Attn: [ADJUSTER NAME] Re: Request to release recoverable depreciation Policyholder: [YOUR NAME] Property address: [PROPERTY ADDRESS] Policy number: [POLICY NUMBER] Claim number: [CLAIM NUMBER] Date of loss: [DATE OF LOSS] Dear Claims Department, I am writing about the claim referenced above. The repairs covered by this claim were completed on [DATE REPAIRS WERE COMPLETED]. The final cost of the repairs was [FINAL REPAIR COST]. I have enclosed the final invoice and receipts for the completed work. Please review the enclosed documents and release the recoverable depreciation that was held back from my earlier payment. Based on my own calculation, the amount I am requesting is [AMOUNT REQUESTED]. If your figure is different, please send me a written explanation of how it was calculated. If my mortgage lender must be named on the payment, please let me know. Please confirm that you have received this letter. If you need anything else to process this request, please contact me at [YOUR PHONE] or [YOUR EMAIL]. Sincerely, [YOUR NAME]