The dispute letter Backbook drafts
The AI writes the prose; the schedule is deterministic — every Expected, Paid, and Claimed figure is computed by audited code and traces to a source row on the carrier’s statement. This is a real example (synthetic carrier and insureds). Copy it, print it, or download the HTML.
2026-02-15
Northwind Mutual
Attn: Commissions Department
Re: Commission reconciliation dispute — January 2026
Harbor Insurance Group is writing to formally dispute a series of commission discrepancies identified in the January 2026 statement issued by Northwind Mutual. This letter serves to notify Northwind Mutual of the issues identified, request a detailed review, and initiate the reconciliation process consistent with standard industry practice. The specific items at issue are detailed in the enclosed schedule of disputed items, which is incorporated by reference into this dispute.
Upon review of the January 2026 statement, Harbor Insurance Group identified three distinct categories of discrepancy that warrant correction. First, a number of items reflect a commission rate applied at a level inconsistent with the rate specified in the applicable agency contract, resulting in an underpayment relative to the contracted terms. Second, certain items reflect commission amounts that were fully earned under the terms of the governing agreement but were not paid at all in the referenced statement period. Third, a number of chargebacks assessed against the agency exceed the unearned commission that should have been prorated based on standard mid-term cancellation or endorsement calculations.
Schedule of disputed items:
| Policy | Insured | Issue | Expected | Paid | Claimed | Ref |
|---|---|---|---|---|---|---|
| NW-1001 | Riverbend Bakery | Rate applied 8% vs contracted 10% | $400.00 | $320.00 | $80.00 | s1-r1 |
| NW-1002 | Copper Kettle LLC | Commission not paid | $200.00 | $0.00 | $200.00 | s1-r2 |
| NW-1003 | Harbor Freight Co | Chargeback exceeds unearned commission per proration | $0.00 | -$150.00 | $60.00 | s1-r3 |
Total commission claimed: $340.00
Harbor Insurance Group respectfully requests that Northwind Mutual conduct a full review of the items detailed in the enclosed schedule, correct the underlying rate application, issue payment for the commission amounts omitted, and adjust the chargebacks to reflect accurate unearned proration. We request a written response confirming the findings of this review within thirty (30) days of receipt of this letter.
Sincerely,
Dana Reyes, Principal
Harbor Insurance Group
(Agency of record and disputant)
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