← Demand letters

Second Demand with Escalation Notice

Send toWhoever didn't respond
WhenThe first demand's deadline has passed

💡 When to use it

Send a second demand when the response date in your first demand has passed with no reply. It restates the demand, points back to the first letter, and tells the other side that silence leads to escalation.

  • Reference the first letter by date. It shows a paper trail of good-faith attempts to resolve the claim.
  • Re-enclose the documents. Don't make them dig for the first packet. Missing paperwork is the easiest excuse for delay.
  • Name the next step, calmly. Litigation for a carrier, litigation or a collection agency for an individual. State it as a fact, not a threat.
  • Use a shorter deadline. 15 days is common for a second demand, since they've already had time to review.
  • Only name steps your client has authorized. Before sending, confirm your client will actually refer the file to litigation or collections.

✉️ The letter

Fill in the boxes and the letter updates as you type. Anything you leave blank stays [in brackets]. What you type stays on your device. Free downloads and prints include a light Subrobuddy watermark.

[Adverse Carrier or Responsible Party]
Attn: [Adjuster Name or Claims Department, if a carrier]
[Street Address]
[City, State ZIP]

[Today's Date]

RE: SECOND REQUEST — Subrogation Demand

Insured: [Insured's Name]
Our Claim No.: [Client Claim Number]
Date of Loss: [Date of Loss]
Loss Location: [Loss Address]		Paid Damages: $[Amount Paid by Client]
Deductible: $[Insured's Deductible]
Total Demand: $[Paid Damages + Deductible]
Your Insured: [Responsible Party, if a carrier]
Your Policy No.: [Policy Number, if known]
Your Claim No.: [Claim Number, if known]

Dear [Adjuster Name or Responsible Party Name]:

On [Date of First Demand], our office sent a demand for payment of $[Total Demand] for damages from the loss on [Date of Loss] at [Loss Location]. The response date of [First Demand Response Date] has passed, and we have not received payment or a response. A copy of our first demand and its supporting documents is enclosed.

[Client Name] paid its insured, [Insured's Name], for this loss and is pursuing its right of recovery. We are again requesting payment of $[Total Demand], which includes the $[Amount Paid by Client] paid by our client and [Insured's Name]'s $[Insured's Deductible] deductible.

Please respond by [Date, 15 days out]

If you dispute this claim, need additional documents, or would like to discuss payment arrangements, please contact our office before that date. We would prefer to resolve this matter directly.

Further escalation

If we do not receive payment or a response by [Date, 15 days out], this matter may be escalated. [Client Name] may refer the claim for litigation [or to a collection agency] to recover the full amount owed. Additional costs, such as court costs and interest allowed by law, may be sought.

Payment instructions

Make payment payable to [Your Company Name] as agent for [Client Name], and include our claim number, [Client Claim Number], with your payment.

Mail to: [Your Company Address]

Enclosures

  1. Copy of our first demand dated [Date of First Demand]
  2. Proof of payment to the insured
  3. Estimates and invoices
  4. Photographs
  5. [Police, fire, or expert report]
  6. Declarations page showing the deductible

Sincerely,

[Name]
[Title]
[Company]
[Address]
[Phone] · [Email]