Statute-cited demand letters for the four fights most people give up on
Insurers, landlords, hospitals, and county assessors fold a lot faster when the letter on their desk cites the specific law they're breaking. These four tools generate that letter for you.
Flat fee $9 to $49. No subscription, no commission. You keep whatever you recover.
See the four toolsThe tools
The four tools
Each one generates a demand letter for a specific kind of dispute, plus the evidence list and escalation steps that go with it.
Diminished value after a repair, a total-loss offer that's too low, a rental cap that ran out, uninsured motorist, medpay, lost wages, personal property. Seven claim types, all 50 states.
Landlord kept your deposit, or sent back a fraction of it with a list of "deductions"? Generates the demand letter for your state, citing the exact statute and the penalty they owe. Most states allow 2x or 3x damages when they hold it wrongfully.
Hospital bill that looks wrong, or already heading to collections? The letter cites NSA, 501(r), HIPAA, and charity care rules where they apply. Covers surprise billing, itemization requests, and the negotiation script for what comes next.
For Washington homeowners whose assessment jumped this year. Generates the RCW-cited petition and walks you through your county's filing process, with the deadline that actually applies to you. Covers 10 WA counties.
Free · 60 seconds
Not sure if your medical bill is even worth disputing?
Run it through the free Fairness Score first. You'll get a 1 to 100 rating, the line items that look off, and a quick read on whether a demand letter is worth drafting. No payment, no email.
What you actually get
A letter that cites the law, not a complaint that gets filed away
Every purchase comes with a personalized demand letter, the evidence list to attach, a deadline calendar, and the next step if the first letter gets ignored. Here's what the letter looks like.
Dear Mr. Reeves,
Pursuant to Washington's first-party claim-settlement standards at WAC 284-30-330, and the insurer's statutory duty of good faith under RCW 48.01.030, I'm submitting a formal demand for diminished-value damages arising from the collision of March 14, 2026, covered under the claim above.
The specific remedy demanded, the statutory deadline, and the enforcement escalation are set out below…
Evidence checklist
What to attach for a diminished-value claim
- Police or accident report
- Photos of the damage and the repair
- 17c-formula appraisal (Exhibit A)
- Repair invoice, line by line
- Title and registration copy
- Comparable pre-loss listings
Escalation path
If the first letter doesn't land
- Day 30Counter-offer dispute letter
- Day 45DOI complaint to the WA OIC
- Day 60Small-claims notice of intent
- Day 75IFCA 20-day pre-suit demand (RCW 48.30.015)
Names, addresses, and claim numbers are illustrative. Your letter pulls in your actual case details and the statutes that govern your state.
Why these four disputes look different but really aren't
Most consumer disputes fail for the same handful of reasons. The leverage is procedural, and it follows the same four steps every time.
01
Cite the exact statute
Your letter names the specific law, rule, or regulation the other side is violating, not a generic complaint about being treated unfairly. That's what moves a file from "we'll get to it" to "settle it."
02
Attach the right evidence
You get a document-by-document list of what needs to be in the envelope. No guessing about whether you forgot something that lets them stall the claim.
03
Hit the deadline
Every dispute has a clock: statute of limitations, appeal window, filing deadline. The kit surfaces the one that actually applies to your situation, not a generic 30-day rule.
04
Have the next step ready
If the first letter gets ignored, you already have the follow-up: the regulator, the small-claims template, the department of insurance, the county board. Whichever applies.
Common questions
No. Claim Maximizer generates document templates and educational guidance based on the law. It's not a law firm and doesn't replace a licensed attorney. For complex cases (large damages, contested liability, anything heading toward litigation) you should consult one. Most disputes in the four categories we cover get resolved without a lawyer in the room.
Because you did the work. Public adjusters and medical-bill advocates take 15 to 40 percent of what you recover. A well-drafted demand letter is a template plus the research that goes into it, not an ongoing service. So we charge for that once. You keep the rest.
Whichever one matches the dispute you're in. Car accident or auto-insurance lowball: Auto Insurance Claim. Landlord holding your deposit: Security Deposit Recovery. Hospital bill that looks wrong: Medical Bill Dispute. WA property assessment that jumped this year: Property Tax Appeal.
No. Each tool is a one-time purchase. You get 6 to 12 months of access to your claim package and any updates that ship during that window. No auto-renewal, no surprise charges.
A demand letter that's been personalized with your facts and the statute that applies in your state, an evidence checklist, a deadline calendar, and the escalation path for if the first letter doesn't land. Delivered as PDFs plus editable drafts to your email right after checkout.
A program manager who got tired of watching friends and family leave money on the table because the legal language felt out of reach. Every template was researched against primary sources (state statutes, federal regulations, case law) and tested against real disputes before it shipped. Questions: hello@claimsmaximizer.com.