Insured Claim Payment Offset Against Recoveries Email Template

Use this page when the insurer says the claim payment will be reduced because of salvage, debtor recoveries, or other credits already received against the debt. This is distinct from a policy deductible. The issue is that the supplier may agree some recoveries exist, but still needs to understand exactly which receipts, credits, or offsets the insurer is applying before finalizing the indemnity amount. Your email should ask which recoveries were counted, how they were matched to the insured debt, whether any of them were already reflected in the claim amount submitted, and what net payout remains after the offset. The outcome you want is to stop the insurer from using an opaque recovery adjustment to shrink the claim without a clear calculation. It is commercially strong because every recovery dollar affects the final insurance cash outcome on a receivable that is already in loss-recovery mode.