Rejecting an insurance company's denial of liability

Your address

Address of insurance provider

Dear

(Ref: policy number)

Thank you for your letter of (date), in which you rejected my claim against the above policy for (damage) on the grounds that (reason).

I refute your argument on the basis of the wording of the policy, (quote policy wording). Furthermore, I enclose a report from a relevant expert, backing up my claim as follows (details of report).

This shows that the damage was caused by (cause) and was not in any way due to (neglect etc) as you suggest. I am therefore covered by the terms of this policy, and expect you to reimburse me the sum of (£…), as detailed in my original claim of (date), within 14 days.

Yours sincerely