Insurer Settlement Offer Check: Valuation, Deductions and Documents
Check an insurance settlement against the policy and evidence.
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.
Check an insurer's offer. The offer letter and valuation report: [OFFER_AND_VALUATION]. The policy limits and excess: [POLICY_LIMITS]. My own evidence of value (receipts, comparable prices, repair quotes): [MY_EVIDENCE]. Items or costs not included: [MISSING_ITEMS]. Reconstruct the offer: item values, depreciation or betterment, excess, taxes and totals. Show the arithmetic and compare with my evidence in a table. Identify items missing, valuation methods used, comparables chosen, and deductions that need explanation. List questions to ask, documents to supply, and wording for a request for reconsideration. Provide a short checklist for deciding whether to accept (cash vs repair, interim payments, signing a release). Add a table of documents the insurer may still need from me, a list of three sentences I can use to ask for the valuation method in writing, and a calendar with dates for any response period stated in the offer, counted from the offer date with the subtraction shown. Do not tell me what I am owed, suggest independent advice for larger claims, and mark policy-related statements as [VERIFY]. I want help, not legal advice. Name no rule I did not supply. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Point me to a consumer agency. Threaten nothing beyond lawful steps.
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