Legal Demand for Coverage

A Legal Demand for Coverage is a formal written communication from a policyholder or their legal representative to an insurance company, demanding that the insurer provide coverage for a particular claim or loss under the terms of the insurance policy. The demand typically outlines the basis for the claim, the damages or losses incurred, and the specific policy provisions that support the coverage request. Legal demands for coverage are often used when an insurer has denied or disputed coverage for a claim, and may be a required step before filing a lawsuit or taking other legal action to enforce the policy.