← Closing letters

Subrogation Withdrawal Letter to Adverse Carrier

Send toOther side's insurance carrier
WhenYour office is no longer pursuing

💡 When to use it

Send this letter to the adverse carrier when your client has decided not to pursue subrogation, for example after the investigation doesn't support liability or the recovery isn't worth the cost. It closes the file cleanly and hands off the evidence.

  • Close the loop in writing. A carrier left hanging keeps a reserve open and keeps calling. A clear withdrawal is a professional courtesy that builds your reputation with other adjusters.
  • Offer the evidence before releasing it. Give the carrier 9 business days to arrange pickup and storage at their own expense. Once they decline or don't respond, your client can release it without a spoliation fight later.
  • Only close your client's claim. The insured may still have their own uninsured losses and may continue their own investigation. Say so plainly so the carrier doesn't treat the whole matter as closed.
  • Don't call it a release. A withdrawal notice is not a signed release. Keep the wording to "no longer pursuing."

Why "our office" matters: Word the withdrawal as our office no longer pursuing, as of the date of the letter. If the client later reopens the claim or sends it to another recovery vendor or counsel, the record shows only that your office had stopped pursuing it at that time. It never says the client gave up its rights.

✉️ 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 Name]
Attn: [Adjuster Name or Claims Department]
[Street Address]
[City, State ZIP]

[Today's Date]

RE: Notice of Subrogation Withdrawal

Our Insured: [Insured's Name]
Our Claim No.: [Client Claim Number]
Date of Loss: [Date of Loss]
Loss Location: [Loss Address]		Your Insured: [Responsible Party]
Your Policy No.: [Adverse Policy Number]
Your Claim No.: [Adverse Claim Number]

Dear [Adjuster Name or Claims Department]:

Please be advised that, as of the date of this letter, our office is no longer pursuing subrogation on behalf of [Client Name] for the loss that occurred on [Date of Loss] at [Loss Location]. Our office's file on this matter is now closed. This letter reflects our office's handling only and is not a release or waiver of any claim by [Client Name]. Thank you for your cooperation during our investigation.

Evidence

The following evidence from this loss is currently stored at [Storage Location] under chain of custody:

  1. [Item]
  2. [Item]
  3. [Item]

If [Adverse Carrier Name] would like to take custody of this evidence for your own purposes, please contact our office by [Reply Date, 9 business days from today]. We will coordinate the transfer with [Storage Company or Expert Company]. Pickup, shipping, and any future storage costs will be the responsibility of [Adverse Carrier Name].

If we do not hear from your office by [Reply Date], the evidence may be released or disposed of without further notice.

Our insured's rights

This notice applies only to [Client Name]'s subrogation claim. It does not mean that [Insured's Name] will not continue with their own investigation or pursue their own uninsured losses, such as their deductible or other out-of-pocket costs. We recommend that you confirm directly with [Insured's Name] whether they intend to pursue any claim of their own.

If you have any questions, please contact our office.

Sincerely,

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