Dear [Recipient's Name],

This letter serves as formal notice of our subrogation claim against [At-Fault Party’s Name or Your Insured] for damages arising from the incident that occurred on [Date of Loss]. Our insured, [Your Insured’s Name], sustained [brief description of loss—e.g., property damage, vehicle collision, etc.] as a result of the actions of your insured, [At-Fault Party Name].

Lob Insurance has paid [Insured’s Name] the amount of $[Amount] under the terms of their policy. We are now pursuing full recovery of that amount through our subrogation rights.

We respectfully request reimbursement in the amount of $[Amount] within [15/30] days of the date of this letter. Payment should be made payable to Lob Insurance and mailed to the address above.