How it works
- List each insurance company you’ve had in the last three to five years, with the policy number if you have it.
- Sign once by typing your name. You get a separate letter for each insurer, dated and signed.
- Email each letter to that insurer or your current agent, or choose to have me send them for you.
- When the runs arrive, I review them with you for free, and I can shop your renewal with the companies I work with.
What the letter asks for
Currently valued loss runs for the past five policy years (or your full history with that insurer, or the dates you enter), listing every claim open and closed with the date, description, status, and the paid, reserved and incurred amounts, plus a no-loss letter if there were no claims. For what a loss run shows and the state rules on how fast insurers must send them, read What are loss runs and how do I get them?
Common questions
Is it really free?
Yes. The letters cost nothing, and so does my review of the runs when they come in. You don’t have to buy anything from me. Most insurers don’t charge for loss runs either; a few states limit when they can, which the loss runs guide covers.
Who can request loss runs?
The named insured, or an agent or broker the insured has authorized. That’s why the letter is signed by you. If you choose to have me request them or receive a copy, the letter also authorizes me by name.
How many years should I ask for?
Underwriters usually want three to five years from every insurer you had in that time. Leave the dates blank and each letter asks for the past five policy years, or your full history with that insurer if it’s shorter.
What if I never had a claim?
The insurer sends a loss run with no claims on it, or a no-loss letter. Each letter asks for one if there were no claims.
Where do I send the letter?
Most insurers take loss run requests by email at their underwriting or customer service address, and your current agent can send it for you. If you don’t know where to send it, choose the option where I request them for you.
A free service of Alishahi Insurance (Saman Alishahi, independent insurance broker). The letters are requests from the named insured; how and when each insurer answers is up to that insurer and your state’s rules. Not a quote or an offer of coverage.