what do cover letters need to have

How it works

Transform your enterprise with the scalable mindsets, skills, & behavior change that drive performance.

Explore how BetterUp connects to your core business systems.

We pair AI with the latest in human-centered coaching to drive powerful, lasting learning and behavior change.

Build leaders that accelerate team performance and engagement.

Unlock performance potential at scale with AI-powered curated growth journeys.

Build resilience, well-being and agility to drive performance across your entire enterprise.

Transform your business, starting with your sales leaders.

Unlock business impact from the top with executive coaching.

Foster a culture of inclusion and belonging.

Accelerate the performance and potential of your agencies and employees.

See how innovative organizations use BetterUp to build a thriving workforce.

Discover how BetterUp measurably impacts key business outcomes for organizations like yours.

A demo is the first step to transforming your business. Meet with us to develop a plan for attaining your goals.

• What is coaching?

Learn how 1:1 coaching works, who its for, and if it's right for you.

Accelerate your personal and professional growth with the expert guidance of a BetterUp Coach.

Types of Coaching

Navigate career transitions, accelerate your professional growth, and achieve your career goals with expert coaching.

Enhance your communication skills for better personal and professional relationships, with tailored coaching that focuses on your needs.

Find balance, resilience, and well-being in all areas of your life with holistic coaching designed to empower you.

Discover your perfect match : Take our 5-minute assessment and let us pair you with one of our top Coaches tailored just for you.

Research, expert insights, and resources to develop courageous leaders within your organization.

Best practices, research, and tools to fuel individual and business growth.

View on-demand BetterUp events and learn about upcoming live discussions.

The latest insights and ideas for building a high-performing workplace.

• BetterUp Briefing

The online magazine that helps you understand tomorrow's workforce trends, today.

Innovative research featured in peer-reviewed journals, press, and more.

Founded in 2022 to deepen the understanding of the intersection of well-being, purpose, and performance

We're on a mission to help everyone live with clarity, purpose, and passion.

Join us and create impactful change.

Read the buzz about BetterUp.

Meet the leadership that's passionate about empowering your workforce.

For Business

For Individuals

How to write a great cover letter in 2024: tips and structure

A cover letter is a personalized letter that introduces you to a potential employer, highlights your qualifications, and explains why you're a strong fit for a specific job.

Hate or love them, these brief documents allow job seekers to make an impression and stand out from the pile of other applications. Penning a thoughtful cover letter shows the hiring team you care about earning the position.

Here’s everything you need to know about how to write a cover letter — and a great one, at that.

What is a cover letter and why does it matter?

A professional cover letter is a one-page document you submit alongside your CV or resume as part of a job application. Typically, they’re about half a page or around 150–300 words.

An effective cover letter doesn’t just rehash your CV; it’s your chance to highlight your proudest moments, explain why you want the job, and state plainly what you bring to the table.

Show the reviewer you’re likable, talented, and will add to the company’s culture . You can refer to previous jobs and other information from your CV, but only if it helps tell a story about you and your career choices .

What 3 things should you include in a cover letter?

A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include:

1. Personalization

Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find out who will be reviewing applications. Personalizing your cover letter shows that you've taken the time to tailor your application to the specific company and role.

2. Highlight relevant achievements and skills

Emphasize your most relevant skills , experiences, and accomplishments that directly relate to the job you're applying for. Provide specific examples of how your skills have benefited previous employers and how they can contribute to the prospective employer's success. Use quantifiable achievements , such as improved efficiency, cost savings, or project success, to demonstrate your impact.

3. Show enthusiasm and fit

Express your enthusiasm for the company and the position you're applying for. Explain why you are interested in this role and believe you are a good fit for the organization. Mention how your values, goals, and skills align with the company's mission and culture. Demonstrating that you've done your research can make a significant impression.

What do hiring managers look for in a cover letter?

Employers look for several key elements in a cover letter. These include:

Employers want to see that your cover letter is specifically tailored to the position you are applying for. It should demonstrate how your skills, experiences, and qualifications align with the job requirements.

Clear and concise writing

A well-written cover letter is concise, easy to read, and error-free. Employers appreciate clear and effective communication skills , so make sure your cover letter showcases your ability to express yourself effectively.

Demonstrated knowledge of the company

Employers want to see that you are genuinely interested in their organization. Mention specific details about the company, such as recent achievements or projects, to show that you are enthusiastic about joining their team.

Achievements and accomplishments

Highlight your relevant achievements and accomplishments that demonstrate your qualifications for the position. Use specific examples to showcase your skills and show how they can benefit the employer.

Enthusiasm and motivation

Employers want to hire candidates who are excited about the opportunity and motivated to contribute to the company's success. Express your enthusiasm and passion for the role and explain why you are interested in working for the company.

Professionalism

A cover letter should be professional in tone and presentation. Use formal language, address the hiring manager appropriately, and follow standard business letter formatting.

How do you structure a cover letter?

A well-structured cover letter follows a specific format that makes it easy for the reader to understand your qualifications and enthusiasm for the position. Here's a typical structure for a cover letter:

Contact information

Include your name, address, phone number, and email address at the top of the letter. Place your contact information at the beginning so that it's easy for the employer to reach you.

Employer's contact information

Opening paragraph, middle paragraph(s), closing paragraph, complimentary close, additional contact information.

Repeat your contact information (name, phone number, and email) at the end of the letter, just in case the employer needs it for quick reference.

Remember to keep your cover letter concise and focused. It should typically be no more than one page in length. Proofread your letter carefully to ensure it is free from spelling and grammatical errors. Tailor each cover letter to the specific job application to make it as relevant and impactful as possible.

How to write a good cover letter (with examples)

The best letters are unique, tailored to the job description, and written in your voice — but that doesn’t mean you can’t use a job cover letter template.

Great cover letters contain the same basic elements and flow a certain way. Take a look at this cover letter structure for ref erence while you construct your own.

1. Add a header and contact information

While reading your cover letter, the recruiter shouldn’t have to look far to find who wrote it. Your document should include a basic heading with the following information:

• Pronouns (optional)
• Location (optional)
• Email address
• Phone number (optional)
• Relevant links, such as your LinkedIn profile , portfolio, or personal website (optional)

You can pull this information directly from your CV. Put it together, and it will look something like this:

Christopher Pike

San Francisco, California

[email protected]

Alternatively, if the posting asks you to submit your cover letter in the body of an email, you can include this information in your signature. For example:

Warm regards,

Catherine Janeway

Bloomington, Indiana

[email protected]

(555) 999 - 2222

2. Include a personal greeting

Always begin your cover letter by addressing the hiring manager — preferably by name. You can use the person’s first and last name. Make sure to include a relevant title, like Dr., Mr., or Ms. For example, “Dear Mr. John Doe.”

Avoid generic openings like “To whom it may concern,” “Dear sir or madam,” or “Dear hiring manager.” These introductions sound impersonal — like you’re copy-pasting cover letters — and can work against you in the hiring process.

Be careful, though. When using someone’s name, you don’t want to use the wrong title or accidentally misgender someone. If in doubt, using only their name is enough. You could also opt for a gender-neutral title, like Mx.

Make sure you’re addressing the right person in your letter — ideally, the person who’s making the final hiring decision. This isn’t always specified in the job posting, so you may have to do some research to learn the name of the hiring manager.

3. Draw them in with an opening story

The opening paragraph of your cover letter should hook the reader. You want it to be memorable, conversational, and extremely relevant to the job you’re pursuing. 

There’s no need for a personal introduction — you’ve already included your name in the heading. But you should make reference to the job you’re applying for. A simple “Thank you for considering my application for the role of [job title] at [company],” will suffice.

Then you can get into the “Why” of your job application. Drive home what makes this specific job and this company so appealing to you. Perhaps you’re a fan of their products, you’re passionate about their mission, or you love their brand voice. Whatever the case, this section is where you share your enthusiasm for the role.

Here’s an example opening paragraph. In this scenario, you’re applying for a digital marketing role at a bicycle company:

“Dear Mr. John Doe,

Thank you for considering my application for the role of Marketing Coordinator at Bits n’ Bikes.

My parents bought my first bike at one of your stores. I’ll never forget the freedom I felt when I learned to ride it. My father removed my training wheels, and my mom sent me barrelling down the street. You provide joy to families across the country — and I want to be part of that.”

4. Emphasize why you’re best for the job

Your next paragraphs should be focused on the role you’re applying to. Highlight your skill set and why you’re a good fit for the needs and expectations associated with the position. Hiring managers want to know what you’ll bring to the job, not just any role.

Start by studying the job description for hints. What problem are they trying to solve with this hire? What skills and qualifications do they mention first or more than once? These are indicators of what’s important to the hiring manager.

Search for details that match your experience and interests. For example, if you’re excited about a fast-paced job in public relations, you might look for these elements in a posting:

• They want someone who can write social media posts and blog content on tight deadlines
• They value collaboration and input from every team member
• They need a planner who can come up with strong PR strategies

Highlight how you fulfill these requirements:

“I’ve always been a strong writer. From blog posts to social media, my content pulls in readers and drives traffic to product pages. For example, when I worked at Bits n’ Bikes, I developed a strategic blog series about bike maintenance that increased our sales of spare parts and tools by 50% — we could see it in our web metrics.

Thanks to the input of all of our team members, including our bike mechanics, my content delivered results.”

5. End with a strong closing paragraph and sign off gracefully

Your closing paragraph is your final chance to hammer home your enthusiasm about the role and your unique ability to fill it. Reiterate the main points you explained in the body paragraphs and remind the reader of what you bring to the table.

You can also use the end of your letter to relay other important details, like whether you’re willing to relocate for the job.

When choosing a sign-off, opt for a phrase that sounds professional and genuine. Reliable options include “Sincerely” and “Kind regards.”

Here’s a strong closing statement for you to consider:

“I believe my enthusiasm, skills, and work experience as a PR professional will serve Bits n’ Bikes very well. I would love to meet to further discuss my value-add as your next Director of Public Relations. Thank you for your consideration. I hope we speak soon.

Tips to write a great cover letter that compliments your resume

When writing your own letter, try not to copy the example excerpts word-for-word. Instead, use this cover letter structure as a baseline to organize your ideas. Then, as you’re writing, use these extra cover letter tips to add your personal touch:

• Keep your cover letter different from your resume : Your cover letter should not duplicate the information on your resume. Instead, it should provide context and explanations for key points in your resume, emphasizing how your qualifications match the specific job you're applying for.
• Customize your cover letter . Tailor your cover letter for each job application. Address the specific needs of the company and the job posting, demonstrating that you've done your homework and understand their requirements.
• Show enthusiasm and fit . Express your enthusiasm for the company and position in the cover letter. Explain why you are interested in working for this company and how your values, goals, and skills align with their mission and culture.
• Use keywords . Incorporate keywords from the job description and industry terms in your cover letter. This can help your application pass through applicant tracking systems (ATS) and demonstrate that you're well-versed in the field.
• Keep it concise . Your cover letter should be succinct and to the point, typically no more than one page. Focus on the most compelling qualifications and experiences that directly support your application.
• Be professional . Maintain a professional tone and structure in your cover letter. Proofread it carefully to ensure there are no errors.
• Address any gaps or concerns . If there are gaps or concerns in your resume, such as employment gaps or a change in career direction, briefly address them in your cover letter. Explain any relevant circumstances and how they have shaped your qualifications and determination.
• Provide a call to action . Conclude your cover letter with a call to action, inviting the employer to contact you for further discussion. Mention that you've attached your resume for their reference.
• Follow the correct format . Use a standard cover letter format like the one above, including your contact information, a formal salutation, introductory and closing paragraphs, and your signature. Ensure that it complements your resume without redundancy.
• Pick the right voice and tone . Try to write like yourself, but adapt to the tone and voice of the company. Look at the job listing, company website, and social media posts. Do they sound fun and quirky, stoic and professional, or somewhere in-between? This guides your writing style.
• Tell your story . You’re an individual with unique expertise, motivators, and years of experience. Tie the pieces together with a great story. Introduce how you arrived at this point in your career, where you hope to go , and how this prospective company fits in your journey. You can also explain any career changes in your resume.
• Show, don’t tell . Anyone can say they’re a problem solver. Why should a recruiter take their word for it if they don’t back it up with examples? Instead of naming your skills, show them in action. Describe situations where you rose to the task, and quantify your success when you can.
• Be honest . Avoid highlighting skills you don’t have. This will backfire if they ask you about them in an interview. Instead, shift focus to the ways in which you stand out.
• Avoid clichés and bullet points . These are signs of lazy writing. Do your best to be original from the first paragraph to the final one. This highlights your individuality and demonstrates the care you put into the letter.
• Proofread . Always spellcheck your cover letter. Look for typos, grammatical errors, and proper flow. We suggest reading it out loud. If it sounds natural rolling off the tongue, it will read naturally as well.

Common cover letter writing FAQs

How long should a cover letter be.

A cover letter should generally be concise and to the point. It is recommended to keep it to one page or less, focusing on the most relevant information that highlights your qualifications and fits the job requirements.

Should I include personal information in a cover letter?

While it's important to introduce yourself and provide your contact information, avoid including personal details such as your age, marital status, or unrelated hobbies. Instead, focus on presenting your professional qualifications and aligning them with the job requirements.

Can I use the same cover letter for multiple job applications?

While it may be tempting to reuse a cover letter, it is best to tailor each cover letter to the specific job you are applying for. This allows you to highlight why you are a good fit for that particular role and show genuine interest in the company.

Do I need to address my cover letter to a specific person?

Whenever possible, it is advisable to address your cover letter to a specific person, such as the hiring manager or recruiter. If the job posting does not provide this information, try to research and find the appropriate contact. If all else fails, you can use a generic salutation such as "Dear Hiring Manager."

Should I include references in my cover letter?

It is generally not necessary to include references in your cover letter. Save this information for when the employer explicitly requests it. Instead, focus on showcasing your qualifications and achievements that make you a strong candidate for the position.

It’s time to start writing your stand-out cover letter

The hardest part of writing is getting started. 

Hopefully, our tips gave you some jumping-off points and confidence . But if you’re really stuck, looking at cover letter examples and resume templates will help you decide where to get started. 

There are numerous sample cover letters available online. Just remember that you’re a unique, well-rounded person, and your cover letter should reflect that. Using our structure, you can tell your story while highlighting your passion for the role. 

Doing your research, including strong examples of your skills, and being courteous is how to write a strong cover letter. Take a breath , flex your fingers, and get typing. Before you know it, your job search will lead to a job interview.

If you want more personalized guidance, a specialized career coach can help review, edit, and guide you through creating a great cover letter that sticks.

Ace your job search

Explore effective job search techniques, interview strategies, and ways to overcome job-related challenges. Our coaches specialize in helping you land your dream job.

Elizabeth Perry, ACC

Elizabeth Perry is a Coach Community Manager at BetterUp. She uses strategic engagement strategies to cultivate a learning community across a global network of Coaches through in-person and virtual experiences, technology-enabled platforms, and strategic coaching industry partnerships. With over 3 years of coaching experience and a certification in transformative leadership and life coaching from Sofia University, Elizabeth leverages transpersonal psychology expertise to help coaches and clients gain awareness of their behavioral and thought patterns, discover their purpose and passions, and elevate their potential. She is a lifelong student of psychology, personal growth, and human potential as well as an ICF-certified ACC transpersonal life and leadership Coach.

3 cover letter examples to help you catch a hiring manager’s attention

Chatgpt cover letters: how to use this tool the right way, how to write an impactful cover letter for a career change, write thank you letters after interviews to stand out as job applicant, send a thank you email after an internship to boost your career, character references: 4 tips for a successful recommendation letter, use professional reference templates to make hiring smoother, tips and tricks for writing a letter of interest (with examples), what is a letter of intent examples on how to write one, similar articles, how to ask for a letter of recommendation (with examples), 5 tips for reentering the workforce, anxious about meetings learn how to run a meeting with these 10 tips, how to write a letter of recommendation (with examples), stay connected with betterup, get our newsletter, event invites, plus product insights and research..

3100 E 5th Street, Suite 350 Austin, TX 78702

• Platform Overview
• Integrations
• Powered by AI
• BetterUp Lead
• BetterUp Manage™
• BetterUp Care™
• Sales Performance
• Diversity & Inclusion
• Case Studies
• Why BetterUp?
• About Coaching
• Find your Coach
• Career Coaching
• Communication Coaching
• Life Coaching
• News and Press
• Leadership Team
• Become a BetterUp Coach
• BetterUp Labs
• Center for Purpose & Performance
• Leadership Training
• Business Coaching
• Contact Support
• Contact Sales
• Privacy Policy
• Acceptable Use Policy
• Trust & Security
• Cookie Preferences

How to Write a Cover Letter [Full Guide & Examples for 2024]

After weeks of heavy job searching, you’re almost there!

You’ve perfected your resume.

You’ve short-listed the coolest jobs you want to apply for.

You’ve even had a friend train you for every single interview question out there.

But then, before you can send in your application and call it a day, you remember that you need to write a cover letter too.

So now, you’re stuck staring at a blank page, wondering where to start...

Don’t panic! We’ve got you covered. Writing a cover letter is a lot simpler than you might think. 

In this guide, we’re going to teach you how to write a cover letter that gets you the job you deserve.

We're going to cover:

What Is a Cover Letter?

• How to Write the Perfect Cover Letter, Step by Step
• 15+ Job-Winning Cover Letter Examples

Let’s get started.

A cover letter is a document that you submit as part of your job application, alongside your resume or CV.

The purpose of a cover letter is to introduce you and briefly summarize your professional background. On average, it should be around 250 to 400 words long .

A good cover letter is supposed to impress the hiring manager and convince them you’re worth interviewing as a candidate.

So, how can your cover letter achieve this?

First of all, it should complement your resume, not copy it. Your cover letter is your chance to elaborate on important achievements, skills, or anything else that your resume doesn’t give you the space to cover. 

For example, if you have an employment gap on your resume, the cover letter is a great place to explain why it happened and how it helped you grow as a person. 

If this is your first time writing a cover letter, writing about yourself might seem complicated. But don’t worry—you don’t need to be super creative or even a good writer .

All you have to do is follow this tried and tested cover letter structure:

• Header. Add all the necessary contact information at the top of your cover letter.
• Formal greeting. Choose an appropriate way to greet your target audience.
• Introduction. Introduce yourself in the opening paragraph and explain your interest in the role.
• Body. Elaborate on why you’re the best candidate for the job and a good match for the company. Focus on “selling” your skills, achievements, and relevant professional experiences.
• Conclusion. Summarize your key points and wrap it up professionally.

Now, let’s take a look at an example of a cover letter that follows our structure perfectly:

New to cover letter writing? Give our cover letter video a watch before diving into the article!

When Should You Write a Cover Letter?

You should always include a cover letter in your job application, even if the hiring manager never reads it. Submitting a cover letter is as important as submitting a resume if you want to look like a serious candidate.

If the employer requests a cover letter as part of the screening process, not sending one is a huge red flag and will probably get your application tossed into the “no” pile immediately.

On the other hand, if the job advertisement doesn’t require a cover letter from the candidates, adding one shows you went the extra mile.

Putting in the effort to write a cover letter can set you apart from other candidates with similar professional experience and skills, and it could even sway the hiring manager to call you for an interview if you do it right.

Need to write a letter to help get you into a good school or volunteer program? Check out our guide to learn how to write a motivation letter !

How to Write the Perfect Cover Letter

Now that you know what a cover letter is, it’s time to learn how to write one!

We’ll go through the process in detail, step by step.

#1. Choose the Right Cover Letter Template

A good cover letter is all about leaving the right first impression.

So, what’s a better way to leave a good impression than a well-formatted, stylish template?

Just choose one of our hand-picked cover letter templates , and you’ll be all set in no time!

As a bonus, our intuitive AI will even give you suggestions on how to improve your cover letter as you write it. You’ll have the perfect cover letter done in minutes!

#2. Put Contact Information in the Header

As with a resume, it’s important to 

start your cover letter

 with your contact details at the top. These should be in your cover letter’s header, separated neatly from the bulk of your text.

Here, you want to include all the essential contact information , including:

• Full Name. Your first and last name should stand out at the top.
• Job Title. Match the professional title underneath your name to the exact job title of the position you’re applying for. Hiring managers often hire for several roles at once, so giving them this cue about what role you’re after helps things go smoother.
• Email Address. Always use a professional and easy-to-spell email address. Ideally, it should combine your first and last names.
• Phone Number. Add a number where the hiring manager can easily reach you.
• Location. Add your city and state/country, no need for more details.
• Relevant Links (optional). You can add links to websites or social media profiles that are relevant to your field. Examples include a LinkedIn profile , Github, or an online portfolio.

Then it’s time to add the recipient’s contact details, such as:

• Hiring Manager's Name. If you can find the name of the hiring manager, add it.
• Hiring Manager's Title. While there’s no harm in writing “hiring manager,” if they’re the head of the department, we recommend you use that title accordingly.
• Company Name. Make sure to write the name of the company you're applying to.
• Location. The city and state/country are usually enough information here, too.
• Date of Writing (Optional). You can include the date you wrote your cover letter for an extra professional touch.

#3. Address the Hiring Manager

Once you’ve properly listed all the contact information, it’s time to start writing the content of the cover letter.

The first thing you need to do here is to address your cover letter directly to the hiring manager.

In fact, you want to address the hiring manager personally .

Forget the old “Dear Sir or Madam” or the impersonal “To Whom It May Concern.” You want to give your future boss a good impression and show them that you did your research before sending in your application.

No one wants to hire a job seeker who just spams 20+ companies and hopes something sticks with their generic approach

So, how do you find out who’s the hiring manager?

First, check the job ad. The hiring manager’s name might be listed somewhere in it.

If that doesn’t work, check the company’s LinkedIn page. You just need to look up the head of the relevant department you’re applying to, and you’re all set.

For example, if you’re applying for the position of Communication Specialist at Novorésumé. The hiring manager is probably the Head of Communications or the Chief Communications Officer.

Here’s what you should look for on LinkedIn:

And there you go! You have your hiring manager.

But let’s say you’re applying for a position as a server . In that case, you’d be looking for the “restaurant manager” or “food and beverage manager.”

If the results don’t come up with anything, try checking out the “Team” page on the company website; there’s a good chance you’ll at least find the right person there.

Make sure to address them as Mr. or Ms., followed by their last name. If you’re not sure about their gender or marital status, you can just stick to their full name, like so:

• Dear Mr. Kurtuy,
• Dear Andrei Kurtuy,

But what if you still can’t find the hiring manager’s name, no matter where you look?

No worries. You can direct your cover letter to the company, department, or team as a whole, or just skip the hiring manager’s name.

• Dear [Department] Hiring Manager
• Dear Hiring Manager
• Dear [Department] Team
• Dear [Company Name]

Are you applying for a research position? Learn how to write an academic personal statement .

#4. Write an Eye-Catching Introduction

First impressions matter, especially when it comes to your job search.

Hiring managers get hundreds, sometimes even thousands, of applications. Chances are, they’re not going to be reading every single cover letter end-to-end.

So, it’s essential to catch their attention from the very first paragraph.

The biggest problem with most opening paragraphs is that they’re usually extremely generic. Here’s an example:

• My name is Jonathan, and I’d like to work as a Sales Manager at XYZ Inc. I’ve worked as a Sales Manager at MadeUpCompany Inc. for 5+ years, so I believe that I’d be a good fit for the position.

See the issue here? This opening paragraph doesn’t say anything except the fact that you’ve worked the job before.

And do you know who else has similar work experience? All the other applicants you’re competing with.

Instead, you want to start with some of your top achievements to grab the reader’s attention. And to get the point across, the achievements should be as relevant as possible to the position.

Your opening paragraph should also show the hiring manager a bit about why you want this specific job. For example, mention how the job relates to your plans for the future or how it can help you grow professionally. This will show the hiring manager that you’re not just applying left and right—you’re actually enthusiastic about getting this particular role.

Now, let’s make our previous example shine:

Dear Mr. Smith,

My name’s Michael, and I’d like to help XYZ Inc. hit and exceed its sales goals as a Sales Manager. I’ve worked as a Sales Representative with Company X, another fin-tech company , for 3+ years, where I generated an average of $30,000+ in sales per month and beat the KPIs by around 40%. I believe that my previous industry experience, passion for finance , and excellence in sales make me the right candidate for the job.

The second candidate starts with what they can do for the company in the future and immediately lists an impressive and relevant achievement. Since they’re experienced in the same industry and interested in finance, the hiring manager can see they’re not just a random applicant.

From this introduction, it’s safe to say that the hiring manager would read the rest of this candidate’s cover letter.

#5. Use the Cover Letter Body for Details

The next part of your cover letter is where you can go into detail about what sets you apart as a qualified candidate for the job.

The main thing you need to remember here is that you shouldn’t make it all about yourself . Your cover letter is supposed to show the hiring manager how you relate to the job and the company you’re applying to.

No matter how cool you make yourself sound in your cover letter, if you don’t tailor it to match what the hiring manager is looking for, you’re not getting an interview.

To get this right, use the job ad as a reference when writing your cover letter. Make sure to highlight skills and achievements that match the job requirements, and you’re good to go.

Since this part of your cover letter is by far the longest, you should split it into at least two paragraphs.

Here’s what each paragraph should cover:

Explain Why You’re the Perfect Candidate for the Role

Before you can show the hiring manager that you’re exactly what they’ve been looking for, you need to know what it is they’re looking for.

Start by doing a bit of research. Learn what the most important skills and responsibilities of the role are according to the job ad, and focus on any relevant experience you have that matches them.

For example, if you’re applying for the position of a Facebook Advertiser. The top requirements on the job ad are:

• Experience managing a Facebook ad budget of $10,000+ / month
• Some skills in advertising on other platforms (Google Search + Twitter)
• Excellent copywriting skills

So, in the body of your cover letter, you need to show how you meet these requirements. Here’s an example of what that can look like:

In my previous role as a Facebook Marketing Expert at XYZ Inc. I handled customer acquisition through ads, managing a monthly Facebook ad budget of $40,000+ . As the sole digital marketer at the company, I managed the ad creation and management process end-to-end. I created the ad copy and images, picked the targeting, ran optimization trials, and so on.

Other than Facebook advertising, I’ve also delved into other online PPC channels, including:

• Google Search

Our example addresses all the necessary requirements and shows off the candidate’s relevant skills.

Are you a student applying for your first internship? Learn how to write an internship cover letter with our dedicated guide.

Explain Why You’re a Good Fit for the Company

As skilled and experienced as you may be, that’s not all the hiring manager is looking for.

They also want someone who’s a good fit for their company and who actually wants to work there.

Employees who don’t fit in with the company culture are likely to quit sooner or later. This ends up costing the company a ton of money, up to 50% of the employee’s annual salary , so hiring managers vet candidates very carefully to avoid this scenario.

So, you have to convince the hiring manager that you’re passionate about working with them.

Start by doing some research about the company. You want to know things like:

• What’s the company’s business model?
• What’s the company’s product or service? Have you used it?
• What’s the company’s culture like?

Chances are, you’ll find all the information you need either on the company website or on job-search websites like Jobscan or Glassdoor.

Then, pick your favorite thing about the company and talk about it in your cover letter.

But don’t just describe the company in its own words just to flatter them. Be super specific—the hiring manager can see through any fluff.

For example, if you’re passionate about their product and you like the company’s culture of innovation and independent work model, you can write something like:

I’ve personally used the XYZ Smartphone, and I believe that it’s the most innovative tech I’ve used in years. The features, such as Made-Up-Feature #1 and Made-Up-Feature #2, were real game changers for the device.

I really admire how Company XYZ strives for excellence in all its product lines, creating market-leading tech. As someone who thrives in a self-driven environment, I truly believe that I’ll be a great match for your Product Design team.

So, make sure to do your fair share of research and come up with good reasons why you're applying to that specific company.

Is the company you want to work for not hiring at the moment? Check out our guide to writing a letter of interest .

#6. Wrap It Up and Sign It

Finally, it’s time to conclude your cover letter.

In the final paragraph, you want to:

• Wrap up any points you couldn't make in the previous paragraphs. Do you have anything left to say? If there’s any other information that could help the hiring manager make their decision, mention it here. If not, just recap your key selling points so far, such as key skills and expertise.
• Express gratitude. Politely thanking the hiring manager for their time is always a good idea.
• Finish the cover letter with a call to action. The very last sentence in your cover letter should be a call to action. This means you should ask the hiring manager to do something, like call you and discuss your application or arrange an interview.
• Remember to sign your cover letter. Just add a formal closing line and sign your name at the bottom.

Here’s an example of how to end your cover letter :

I hope to help Company X make the most of their Facebook marketing initiatives. I'd love to further discuss how my previous success at XYZ Inc. can help you achieve your Facebook marketing goals. Please don’t hesitate to reach out to me at the provided email address or phone number so that we may arrange an interview.

Thank you for your consideration,

Alice Richards

Feel free to use one of these other popular closing lines for your cover letter:

• Best Regards,
• Kind Regards,

Cover Letter Writing Checklist

Once you’re done with your cover letter, it’s time to check if it meets all industry requirements. 

Give our handy cover letter writing checklist a look to make sure:

Does your cover letter heading include all essential information?

• Professional Email
• Phone Number
• Relevant Links

Do you address the right person? 

• The hiring manager in the company
• Your future direct supervisor
• The company/department in general

Does your introductory paragraph grab the reader's attention?

• Did you mention some of your top achievements?
• Did you use numbers and facts to back up your experience?
• Did you convey enthusiasm for the specific role?

Do you show that you’re the right candidate for the job?

• Did you identify the core requirements for the role?
• Did you show how your experiences helped you fit the requirements perfectly?

Do you convince the hiring manager that you’re passionate about the company you’re applying to?

• Did you identify the top 3 things that you like about the company?
• Did you avoid generic reasons for explaining your interest in the company?

Did you conclude your cover letter properly?

• Did you recap your key selling points in the conclusion?
• Did you end your cover letter with a call to action?
• Did you use the right formal closing line and sign your name?

15 Cover Letter Tips

Now you’re all set to write your cover letter! 

Before you start typing, here are some cover letter tips to help take your cover letter to the next level:

• Customize Your Cover Letter for Each Job. Make sure your cover letter is tailored to the job you're applying for. This shows you're not just sending generic applications left and right, and it tells the hiring manager you’re the right person for the job.
• Showcase Your Skills. Talk about how your skills meet the company’s needs. And while your hard skills should be front and center, you shouldn’t underestimate your soft skills in your cover letter either.
• Avoid Fluff. Don’t make any generic statements you can’t back up. The hiring manager can tell when you’re just throwing words around, and it doesn’t make your cover letter look good.
• Use Specific Examples. Instead of saying you're great at something, give an actual example to back up your claim. Any data you can provide makes you sound more credible, so quantify your achievements. For example, give numbers such as percentages related to your performance and the timeframe it took to accomplish certain achievements.
• Research the Company. Always take time to learn about the company you're applying to. Make sure to mention something about them in your cover letter to show the hiring manager that you're interested.
• Follow the Application Instructions. If the job posting asks for something specific in your cover letter or requires a certain format, make sure you include it. Not following instructions can come off as unattentive or signal to the hiring manager that you’re not taking the job seriously.
• Use the Right Template and Format. Choose the right cover letter format and adapt your cover letter’s look to the industry you’re applying for. For example, if you’re aiming for a job in Law or Finance, you should go for a cleaner, more professional look. But if you’re applying for a field that values innovation, like IT or Design, you have more room for creativity.
• Express Your Enthusiasm. Let the hiring manager know why you're excited about the job. Your passion for the specific role or the field in general can be a big selling point, and show them that you’re genuinely interested, not just applying left and right.
• Address Any Gaps. If there are any employment gaps in your resume , your cover letter is a great place to mention why. Your resume doesn’t give you enough space to elaborate on an employment gap, so addressing it here can set hiring managers at ease—life happens, and employers understand.
• Avoid Quirky Emails. Your email address should be presentable. It’s hard for a hiring manager to take you seriously if your email address is “[email protected].” Just use a [email protected] format.
• Check Your Contact Information. Typos in your email address or phone number can mean a missed opportunity. Double-check these before sending your application.
• Mention if You Want to Relocate. If you’re looking for a job that lets you move somewhere else, specify this in your cover letter.
• Keep It Brief. You want to keep your cover letter short and sweet. Hiring managers don’t have time to read a novel, so if you go over one page, they simply won’t read it at all.
• Use a Professional Tone. Even though a conversational tone isn’t a bad thing, remember that it's still a formal document. Show professionalism in your cover letter by keeping slang, jargon, and emojis out of it.
• Proofread Carefully. Typos and grammar mistakes are a huge deal-breaker. Use a tool like Grammarly or QuillBot to double-check your spelling and grammar, or even get a friend to check it for you.

15+ Cover Letter Examples

Need some inspiration? Check out some perfect cover letter examples for different experience levels and various professions.

5+ Cover Letter Examples by Experience

#1. college student cover letter example.

Check out our full guide to writing a college student cover letter here.

#2. Middle Management Cover Letter Example

Check out our full guide to writing a project manager cover letter here.

#3. Team Leader Cover Letter Example

Check out our full guide to writing a team leader cover letter here.

#4. Career Change Cover Letter Example

Check out our full guide to a career change resume and cover letter here.

#5. Management Cover Letter Example

Check out our full guide to writing a management cover letter here.

#6. Senior Executive Cover Letter Example

Check out our full guide to writing an executive resume here.

9+ Cover Letter Examples by Profession

#1. it cover letter example.

Check out our full guide to writing an IT cover letter here.

#2. Consultant Cover Letter Example

Check out our full guide to writing a consultant cover letter here.

#3. Human Resources Cover Letter

Check out our full guide to writing a human resources cover letter here.

#4. Business Cover Letter Example

Check out our full guide to writing a business cover letter here.

#5. Sales Cover Letter Example

Check out our full guide to writing a sales cover letter here.

#6. Social Worker Cover Letter

Check out our full guide to writing a social worker cover letter here.

#7. Lawyer Cover Letter

Check out our full guide to writing a lawyer cover letter here.

#8. Administrative Assistant Cover Letter

Check out our full guide to writing an administrative assistant cover letter here.

#9. Engineering Cover Letter Example

Check out our full guide to writing an engineer cover letter here.

#10. Receptionist Cover Letter Example

Check out our full guide to writing a receptionist cover letter here.

Need more inspiration? Check out these cover letter examples to learn what makes them stand out.

Plug & Play Cover Letter Template

Not sure how to start your cover letter? Don’t worry!

Just copy and paste our free cover letter template into the cover letter builder, and swap out the blanks for your details.

[Your Full Name]

[Your Profession]

[Your Phone Number]

[Your Email Address]

[Your Location]

[Your LinkedIn Profile URL (optional)]

[Your Personal Website URL (optional)]

[Recipient's Name, e.g., Jane Doe],

[Recipient's Position, e.g., Hiring Manager]

[Company Name, e.g., ABC Corporation]

[Company Address]

[City, State/Country]

Dear [Recipient's Name],

As a seasoned [Your Profession] with [Number of Years of Experience] years of industry experience, I am eager to express my interest in the [Job Title] position at [Company Name]. With my experience in [Your Industry/Sector] and the successes I've achieved throughout my education and career, I believe I can bring unique value and creativity to your team.

In my current role as [Your Current Job Title], I've taken the lead on more than [Number of Projects/Assignments] projects, some valued up to $[Highest Project Value]. I pride myself on consistently exceeding client expectations and have successfully [Mention a Key Achievement] in just a [Amount of Time] through [Skill] and [Skill].

I've collaborated with various professionals, such as [List Roles], ensuring that all [projects/tasks] meet [relevant standards or objectives]. This hands-on experience, coupled with my dedication to understanding each [client's/customer's] vision, has equipped me to navigate and deliver on complex projects.

My key strengths include:

• Improving [Achievement] by [%] over [Amount of Time] which resulted in [Quantified Result].
• Optimizing [Work Process/Responsibility] which saved [Previous Employer] [Amount of Time/Budget/Other Metric] over [Weeks/Months/Years]
• Spearheading team of [Number of People] to [Task] and achieving [Quantified Result].

Alongside this letter, I've attached my resume. My educational background, a [Your Degree] with a concentration in [Your Specialization], complements the practical skills that I'm particularly eager to share with [Company Name].

I'm excited about the possibility of contributing to [Something Notable About the Company or Its Mission]. I'd be grateful for the chance to delve deeper into how my expertise aligns with your needs.

Thank you for considering my application, and I look forward to hearing from you soon.

The Heart of Your Job Search - Creating a Killer Resume

Your cover letter is only as good as your resume. If either one is weak, your entire application falls through.

After all, your cover letter is meant to complement your resume. Imagine going through all this effort to leave an amazing first impression in your cover letter, only for the hiring manager to never read it because your resume was mediocre.

But don’t worry; we’ve got you covered here, too.

Check out our dedicated guide on how to make a resume and learn everything you need to know to land your dream job!

Just pick one of our resume templates and start writing your own job-winning resume.

Key Takeaways

Now that we’ve walked you through all the steps of writing a cover letter, let’s summarize everything we’ve learned:

• A cover letter is a 250 - 400 word document that’s meant to convince the hiring manager that you’re the best candidate for the job.
• Your job application should always include a cover letter alongside your resume.
• To grab the hiring manager’s attention, write a strong opening paragraph. Mention who you are, why you’re applying, and a standout achievement to pique their interest.
• Your cover letter should focus on why you’re the perfect candidate for the job and why you’re passionate about working in this specific company.
• Use the body of your cover letter to provide details on your skills, achievements, and qualifications, as well as make sure to convey your enthusiasm throughout your whole cover letter.
• Recap your key selling points towards the end of your cover letter, and end it with a formal closing line and your full name signed underneath.

At Novorésumé, we’re committed to helping you get the job you deserve every step of the way! 

Follow our career blog for more valuable advice, or check out some of our top guides, such as:

• How to Make a Resume in 2024 | Beginner's Guide
• How to Write a CV (Curriculum Vitae) in 2024 [31+ Examples]
• 35+ Job Interview Questions and Answers [Full List]

To provide a safer experience, the best content and great communication, we use cookies. Learn how we use them for non-authenticated users.

• Resume Writing
• Resume Examples
• Cover Letter
• Remote Work
• Famous Resumes
• Try Kickresume

The Only Cover Letter Guide You’ll Need in 2024 (+Examples)

• Kaja Jurcisinova , 
• Updated January 16, 2024 13 min read

Oh, the dreaded cover letter. Job seekers hate writing it and nobody knows if anybody even reads cover letters anymore. And yet, not attaching one to your application would be a terrible mistake. This cover letter guide will tell you not only why to write one, but also how to write a really good one.

But first , why does everyone hate writing cover letters so much?   After all, a cover letter gives you a unique opportunity to distinguish yourself from others.

In comparison with a resume, the cover letter allows you to provide details that didn’t fit in on your resume and demonstrate your passion.

All the negativity that surrounds the cover letter probably comes down to the fact that good cover letters require a bit of alchemy. They also take time to write.

This guide will help you avoid any mistakes and write a strong cover letter that will catch the recruiter’s attention. We also include cover letter examples.

Generally speaking, you want to make your cover letter:

• easy to read for the recruiter;
• well-structured;
• max 4 paragraphs/1 page long;
• professional in both tone and greetings;
• tailored for the specific opening.

Let's get to it!

Table of Contents

Click on a section to skip

Why should you write a cover letter?

How do recruiters read cover letters, how to write a great cover letter in 9 simple steps.

• What if you're told to NOT submit a cover letter? 

Final cover letter tips and hacks

Cover letter examples.

So, how exactly is the cover letter important for your job application? 

Some may argue that the cover letter in 2024 isn't really relevant anymore. In fact, one study stated that only 18 percent of hiring managers think cover letters are a key part of an application.

However, don’t get fooled by these statistics. While your resume may be considered more important during the hiring process, including a well-written cover letter can increase your chances of landing a job. 

For instance, 83% of hiring managers would be convinced by a really good cover letter — even if the resume wasn’t good enough, according to this study .

And there's more to it.

Some of the key advantages of the cover letter are:

• It’s much less structured than the resume and lets you develop a story. 
• It gives you space to get a little more creative. 
• Your personality can shine through thanks to it.
• You can elaborate on key achievements mentioned in your resume.
• It helps explain a lack of experience, career change, or an employment gap.

In other words, the cover letter is a perfect chance to bridge the distance between you and a recruiter even before the actual job interview . 

Pro tip: Before writing a cover letter, make sure that you have a powerful resume that matches the job description. Because if your resume doesn’t fit a desired profile, your cover letter probably won’t get read at all. To learn more, you may want to check out our  Ultimate Resume Guide .

First, they read them to decide if you’re the right fit for a position. For this reason, avoid generic write-ups at all costs. What recruiters love to see is a short persuasive argument of why you fit the role and the company. Something like this: 

“I was happy to hear about this job opening from my former manager, Jane Anne. She and I have worked together on many projects throughout the years and she thought that I would be the perfect match for this position.“

Second, recruiters are looking for inconsistencies . For instance, if your resume shows attention to detail but your cover letter is addressed to the wrong person, wrong company, and is filled with typos, it's inconsistent. You want to ensure the number of inconsistencies is kept to a minimum.

Third, they're trying to get a hint of your personality . Cultural fit is important to many companies.

So, throughout the process of cover letter writing, it's essential to keep in mind the recruiter who's going to be the recipient of your letter. 

Because at the end of a day, a good cover letter shouldn't be solely about you — it's supposed to be written with the hiring manager in mind. 

So ask yourself:  

• Is my cover letter easy to read?
• Have I addressed the right person in the opening?  
• Will it help them decide if I'm the right fit?
• Did I use the right tone of voice that fits their company culture?

If you answered “no” to any of these questions, our cover letter guide is exactly for you.

Writing a cover letter may seem like a challenging task at first but if you know a few key cover letter rules, the process can become much easier. 

Before you start writing your cover letter, find out more about the company you're applying for. Look at their website and LinkedIn . The research also includes looking at the job description very closely and identifying any recurring keywords. Also, search for specific cover letter examples for the role online.

Placed at the very beginning of your cover letter, the header is where you include your contact information (i.e. your full name, email address, phone number) and the company's contact information (i.e. the manager’s or recruiter’s name, job title, department, the name of the company, company’s address). 

When in doubt, try to use this formula: Number or Trigger word + Adjective + Keyword + Promise.  The result can look something like this: 5 Ways I Can Help You Improve Your Company’s [insert a position-related keyword]

If the name of the hiring manager isn't written in the job posting, research their name and contact information online. For example, look at the company's page or LinkedIn. Then, greet them by saying "Dear [first name]" . If, however, the company culture is very formal, go for the classic "Dear Hiring Manager" .

The first paragraph is the perfect place to shortly explain why the job seems exciting to you and why you’re the right person for it .  You can also compliment the company or name a mutual acquaintance who referred you.

Try to answer these questions: 1. What did you do at a previous position that gave you relevant experience?  2. How could this experience help the new company grow? 3. Which of the projects you have worked on would benefit their business? 4. Which of your skills make you well-equipped for the position?  5. Do any of these skills give you an edge over other candidates?

The following questions should help you : What excites you about the idea of working at this company? How do the company goals align with your own? What do you hope to gain and learn from working there?

In the cover letter closing paragraph : reiterate that your experience and enthusiasm make you a great candidate, add a confident call to action, express gratitude, and always use a formal sign-off.

You can either attach the cover letter as a separate document in the email when sending your resume , or send it directly in the body of the email (that way they can't ignore it).

In the following chapters we look at each step more closely and include specific examples you can copy and paste.

Step 1: Prepare and do some research 

Knowledge is power. Before you begin writing:

• Find out more about the company and the position you're applying for. Spend some time on the company’s website, its executives’ Twitter feeds, and employee profiles on LinkedIn. It will also help you decide on the tone of your cover letter. For example, if it’s a company like Kickresume , you can easily get away with more unusual approaches. But if it’s a conservative institution, like a bank or a lawyer's office, you should probably keep it formal.
• Search for specific cover letter examples for your role online . Pick some examples that fit your role and use these for inspiration. (By the way, that link just now will take you to our database of successful cover letters from real people who got hired. Totally worth checking out.)
• Look at the job descriptions of the roles you’re applying for . Identify major experience and hard skill keywords, so you can insert them in your letter in the relevant sections.

Once you've done this basic research, you can finally start thinking about the structure of your cover letter. 

This short infographic will show you that writing a cover letter is a lot simpler than you might have thought: 

Step 2: Include a header with basic info rmation

Placed at the very beginning of your cover letter, the header is the place where you should include your contact information and the contact information of the company. 

A cover letter is still a letter, after all. 

At the left side of the page include the information based on which you can be reached by the recruiter. 

Here, make sure to include: 

• your full name
• your email address
• phone number

Optionally, you can also add:

• your professional title
• address (if it vaguely matches the location of the job offer)
• current date
• personal website/LinkedIn

The top right side of the page is reserved for company-related information. Here, you should put: 

• the manager’s or recruiter’s name (if available)
• job title 
• the name of the company
• company’s address

Not a fan of writing?

Our AI writer will write the first draft of your cover letter for you.

Step 3: Write a strong cover letter headline

When you’re browsing the web, what articles usually catch your attention? Those with great headlines, of course! 

The same applies to cover letter headlines.

Start by paying attention to the headlines around you — especially in tabloids and websites like Buzzfeed (Is Buzzfeed still a thing? How very 2010s of me). These are usually designed to stir up your interest and make it impossible to not click through. 

Notice how they use numbers, questions, and interesting adjectives to promise the reader to learn something valuable.

And you can do the same in your cover letter.

When in doubt, try to use this formula: Number or Trigger word + Adjective + Keyword + Promise. 

The result can look something like this: 

• 3 Reasons Why I’m An Excellent Fit For [Job Position]
• Are You Still Looking To Fill The Position Of [Job Position]? This Is Why I Believe I’m Exactly Who You’re Looking For
• 5 Ways I Can Help You Improve Your Company’s [insert a position-related keyword]

Finally, don’t forget to adjust your header to the company’s level of formality and put your headline in the subject of the email.

Step 4: Use the correct form of greeting

In this time and age, there’s no excuse for using “To Whom It May Concern.”  

If the name of the hiring manager isn't written in the job posting, you’re expected to research their name and contact information online. For example, look at the company's page or LinkedIn. 

Once you have their name, feel free to go for a personalized greeting: 

“Dear [first name]” or “Dear Mr./Mrs. [last name]” 

Honorifics (e.g. Mr., Mrs., Ms .) are more appropriate if the company’s culture is formal. 

And if you cannot find the recruiter’s name, it's okay to go for a generic: 

“Dear Hiring Manager”, or “Dear Recruitment Officer”

Alternatively, you can address the letter to the whole company team or the HR department. In this case, your greeting should look like this: 

“Dear [name of the company/department] Team” or “Dear Human Resources”

Step 5: First paragraph: Introduce yourself with a BANG!

The best way to start a cover letter is to open strong. The first impression matters the most and busy recruiters often have a chance to properly dive into only a few selected cover letters. 

So if you make your first paragraph captivating, chances are that your letter will be one of the lucky ones that actually end up being read. 

In fact, the first paragraph is the perfect place to shortly explain why the job seems exciting to you and why you’re the right person for it. 

While most people begin their letters with “I’m applying for the position X I saw in Y place,” it's a waste of space. 

Instead, open with a sentence like this:

“I’m a content marketing professional with more than 5 years of experience and I’d love to bring my ability and passion to your team.”

In the first paragraph, you can also:

• Compliment the company. Show that you know details about the company and you’re approaching it for a reason. For example, demonstrate appreciation for what the company does. Not only will this flatter them, but it will also provide them with insight into who you are.
• Name a mutual acquaintance if you can. This is sometimes called a “magic bullet,” as it’s the one thing that will assure the hiring manager reads your cover letter until the end. 

However, limit the introduction to 1-3 sentences. This isn’t the place to go into detail about what makes you ideal for the role — save that for the second and third paragraphs. 

Step 6: Second paragraph: Explain why you’re a great fit for the company

The second paragraph is the place where you should sell yourself and your experience.  

Here, write a short summary of your career, skills and accomplishments, tailored to fit what the company is looking for. 

You already did your research, so now it's time to ask yourself these questions and try to address them in your cover letter:

• What did you do at a previous position that gave you relevant experience? 
• How could this experience help the new company grow?
• Which of the projects you have worked on would benefit their business?
• Which of your skills make you well-equipped for the position? 
• Do any of these skills give you an edge over other candidates?

After you’ve picked the most relevant accomplishments, put them at the start of your letter. 

However, when talking about them, avoid sounding like you’re bragging. The best way of doing this is to focus on your experiences rather than yourself . Ideally, support your claims with concrete examples.

Also, mention any other additional relevant hard skills or knowledge areas they’re looking for, as well as any qualifications.

Finally, the second paragraph is the perfect place for showing that you’ve done your research. Demonstrate that you’re familiar with some of the challenges that the company faces and present how you can help them.

Pro tip: Don’t simply repeat the same things you’ve already put on your resume. You want to go beyond that (this applies to every other section of your cover letter). 

Step 7: Third paragraph: Explain why the company is a great fit for you 

In this paragraph, you want to show that you’re serious about developing your career at this new company. And good companies want to know why they appeal to you and how will your professional relationship be mutually beneficial. 

Consider addressing the following questions:

• What excites you about the idea of working at this company?
• How do the company goals align with your own?
• What do you hope to gain and learn from working there?

For example, you can say something like this: “I've seen on your website that you heavily focus on cryptocurrency projects. As a cryptocurrency enthusiast, I would love to join your team”.  

However, don’t go overboard with flattery and stay professional. 

Also, don’t say anything that isn't true or you don’t mean it, as it will probably come up again in the later stages of the application process.

Step 8: Closing paragraph: Finish strong and stay in touch

Now that you’ve nailed the main part of your cover letter, you also want to finish strong. This way, the recruiter will remember you in a good light. But how do you achieve that? 

• Reiterate that your experience and enthusiasm make you a great candidate. This is to emphasize the two main points from the previous paragraphs. Do this in one or two sentences, not more. 
• Add a confident call to action. In a sentence or two, you should suggest the next steps. Something like “ I would love the opportunity to meet with you and discuss the value I can bring to [company]."
• Express gratitude. Simply thank them for their time and for considering your application.
• Always use a formal sign-off. Something like “ Sincerely , Best wishes , or Respectfully” . Finish by typing out your full name. 

Step 9: How do you send a cover letter?

I can’t stress this enough — unless it's specifically required to attach the cover letter to the body of the email,  consider not sending your cover letter as a document attached to your email. 

Instead, put it inside the body of the email . The email itself is now your cover letter! This way the recruiter won't ignore it.

However, remember that hiring managers receive hundreds of emails a day. So if you want your email to get read, it's the subject line that's likely to play the most important part. 

As we've advised before, if you have a good resume headline, simply put it in the email subject. 

However, if you’re unhappy with the result, you have other options, too. 

For instance, if you have a reference, include it already in your email subject line: 

Referral from Jose Nachos: Pedro Tacos, candidate for a senior software analyst position

If you don't have a reference or a catchy headline, check out more tips on how to write the best subject line for your email .

Finished writing your cover letter?

Make it stand out with an eye-catching design.

What if you're told to NOT submit a cover letter? 

Today, many companies are using online application systems that discourage applicants from attaching a cover letter. 

Instead, they have their own application systems where in different sections you're required to fill in the information you would normally place in your cover letter.  

If this is the case, just work with the format they gave you.

In other words, include the same information that you'd normally have in your cover letter but place it in the correct sections. 

And don’t forget to follow the cover letter principles: 

• explain why you're the right candidate;
• make it clear that you've researched the company well;
• indicate in what way you'd be an asset;
• mention your biggest past achievements.

Because no matter the format, you're still expected to present your skills and convey enthusiasm about the job.

Alternatively, you can also try to find a relevant manager or a recruiter online (either on the company pages or LinkedIn) to whom you can send a brief follow-up email with an attached cover letter. 

Now that we've covered the basics, there are several other tips that you should keep in mind to elevate your cover letter to the next level: 

• Keep it short. Limit your cover letter to three to four paragraphs and a maximum of one page. Hiring managers are busy people who often don't have time for reading long texts.
• Keep it clean and easy on the eye. Take a look at how this article is written. It’s replete with short paragraphs, sentences typed in bold letters, bullet points, and numbers. All of these make reading and searching for specific information easier. So, never send a letter that looks like an unreadable wall of text. The easiest way to achieve a sleek cover letter design is to use a pre-formatted cover letter template . 
• Don’t risk being funny if it ’ s a company with a formal work culture. Poorly executed humor will hurt your chances rather than help. Being direct and dynamic is a much surer way to catch the recruiter’s attention than a number of jokes. On the other, if the company is smaller or known for its creative products, being original may in fact help your chances! 
• Show, don’t tell. Usually, there’s no point in saying you’re “a dependable hard worker” or “a creative thinker.” Why should anyone believe such generic statements? Instead, offer an example of how these qualities helped you achieve something in the past.
• Never write the same letter twice. A cover letter should always be tailored to a specific job application. Remember the previous sections? You’ve made a great effort to research the company and its hiring managers, so you’ve written your cover letter accordingly. This is a process you need to repeat with every application (ugh, I know). 
• Check for typos. This goes without saying but make 100% sure your cover letter is without typos. There’s no reason to believe you're competent if you can't even type without errors. Moreover, typos automatically reveal almost criminal carelessness on your part, since every text editor nowadays has a spellchecking feature. 
• Don't use any buzzwords. Your cover letter needs to be authentic and persuasive — and buzzwords are neither. If anything, they simply give the impression of you being someone who's just trying to fit a skewed idea of what an ideal corporate employee should be. Instead, focus on using relevant keywords from job descriptions.

Now, if you have no experience yet because you're just starting out or you're changing careers, writing a cover letter can be scary. However, a well-written letter can actually be your best friend.

And this is how you write the perfect cover letter with no experience .

In the end, there are many different ways to write a great cover letter. And even if you follow the cover letter guide above, you’ll end up with a cover letter that's invariably your own. 

It all depends on your own personality, the position you’re applying for, and the hiring manager’s preferences. 

And that's good, actually! 

Still, there's a lot to learn from cover letters written by other people. That's why we've selected five cover letter samples that deserve your attention. 

Each of these helped real job seekers find real jobs in real companies. They'll teach you valuable lessons you can use in your own cover letter.

1. Norwegian — Cabin Crew Cover Letter Example

This cover letter sample was provided by a real person who got hired with Kickresume’s help.

2. Volvo — Machine Learning Intern Cover Letter Example

3. tory burch — account executive cover letter example, 4. lush — sales associate cover letter example, 5. romeo — social media officer cover letter example.

Do you still need some more inspiration? You can find more examples in our cover letter library

FAQ: How to write a cover letter

250 to 400 words is the standard cover letter length range. A cover letter should never exceed one page.

Yes! Show that you can go that extra mile and stand out from the crowd of applicants.

Ideally, use a pre-formatted cover letter template. Then use a simple and professional font, such as Times New Roman. The font size should be between 10-12.

If you have the name of the hiring manager, try to find their contact on the company page or LinkedIn. If you still can't find the right person, you can address it to the whole team or HR.

This article was recently updated. The original article was written by Martin Poduska in 201 7.

Kaja Jurcisinova is a junior copywriter at Kickresume. Kaja completed her undergraduate degree in Art History at the University of St Andrews in 2018 and graduated with a Master’s in Arts and Culture from the University of Groningen in 2021. She was an intern at multiple cultural institutions across Europe, including the Dutch Museum Association in Amsterdam, the Matter of Art Biennale in Prague, and the European Cultural Centre in Venice. At the moment, she resides in Visby on the Swedish island of Gotland.

Related Posts

Introducing our new career guide ebook: the job seeker’s guide to the galaxy, how to tailor your executive-level resume for a job board, share this article, join our newsletter.

Every month, we’ll send you resume advice, job search tips, career hacks and more in pithy, bite-sized chunks. Sounds good?

• Sub Cat Link

How to Format a Cover Letter (with Examples)

Despite what some may say, cover letters remain an important part of the job application process.  While resumes may provide a summary of skills and timeline of work experience, the cover letter allows an applicant to demonstrate his or her personality, written communications skills, and interest in the job.

But knowing how to professionally organize the contents of your cover letter can be just as important as the contents themselves.  Here are some general formatting tips and rules to remember as you put together your next cover letter.

1.  The Header

Before you start getting into the meat of your writing, a cover letter should include your contact information at the very top.  And right beneath that, you should include the recipient’s contact information.

Something like this:

2. The Greeting

Greet the person to whom you are addressing your cover letter in a professional, yet simple way.  A generic salutation like “Dear Mrs. Manager” or “Mr. Supervisor” are more than sufficient.

If you do not know who the hiring manager is, do a little digging so you are not left addressing your cover letter “To Whom It May Concern”.

3.  The Body Paragraphs

Once you have put together your heading and greeting, it is time to start drafting the substance of your cover letter .  As a general rule, cover letters should only be a few paragraphs long and fit within a single page.

• First Paragraph: This should serve as an introduction . Here you can briefly introduce yourself and which position you are applying for.
• Middle Paragraphs:  These paragraphs are where you describe your relevant work experience, any gaps in your resume, and perhaps why you have an interest in working for the company.
• Concluding Paragraph:  The final paragraph in your cover letter should briefly thank the recipient for their time and consideration, as well as briefly summarize your qualifications and why they fit with the role.

After your concluding paragraph, close your cover letter with one of the following complimentary closings:

Respectfully

Unless you have a close relationship with the person to whom you are addressing your letter, it is best to avoid casual closings like “Warm Regards” or “Yours Truly”.   And finally, if you are submitting a hard copy of your cover letter, handwrite your signature and type your full name right below, like this:

Jane Somebody

 5.  The Final Formatting Reminders

Proper formatting is more than just organizing the words into a proper layout on the page.  You also need to be mindful of fonts, sizing, and spacing.

Regarding font, stick to a timeless, professional font like Times New Roman or Arial. Be mindful if you are mailing or emailing your resume, as some fonts read better on screen than they do offscreen.  You should also stick to a font size between 10 and 12.  Size 12 is most common, and if you are keeping your cover letter brief, there should not be a reason to reduce the font size to fit everything on a single page.

Finally, regarding spacing, consistency matters most.  But in terms of visual appeal, single spaced writing broken out into several paragraphs is probably best.

Are you looking for a new job? See who is hiring at CyberCoders.com .

Looking for jobs hiring?

Thousands of full-time and remote jobs in every industry. Search jobs.

Are you hiring for your team?

We'll find you the right candidate, fast. Get started.

Want to join our team?

Our recruiters connect people with great opportunities and help our clients build amazing teams. Learn more.

Recent Articles

• Browse Jobs
• Browse Skills
• Browse Locations

Upgrade your career

Submit your application, login to cybercoders, personalized job alerts, 10 applies with 1 click.

Are Cover Letters Necessary?

Do cover letters matter these days? It depends on who you ask.

Some recruiters love learning more about each job applicant, while others find the practice antiquated. So should you write one if it might not even be read at all?

Keep reading for advice from career coaching experts, plus:

• When you should (and shouldn't) write a cover letter
• What to do when a cover letter is "optional"
• Tips for writing an effective cover letter
• What an effective cover letter template looks like

Do I Need a Cover Letter ?

In most cases, yes—you should submit a cover letter with your resume.

While the cover letter has increasingly become a divisive topic among recruiters and job seekers , it's still often listed as a requirement on job applications .

But regardless, many recruiters still think cover letters are important.

According to a 2023 study by recruitment website Zippia , more than a fourth (26 percent) of recruiters "always read cover letters " and think they're an important component of the hiring decision. And almost half (45 percent) said that not including a cover letter could get your application rejected.

So in most cases, it's best to be cautious and include one.

In short, including a cover letter will almost never hurt your job search —but it can help.

Here's how:

• It can help you stand out from the crowd . Recruiters read through countless resumes for just one role. If you have similar qualifications as other candidates, a cover letter allows you to showcase your personality and unique skills.
• It shows you're willing to go the extra mile . Searching for a new job is already a lot of effort, so it may be difficult to rationalize writing a customized cover letter for each role. But the Zippia study found that 61 percent of hiring managers consider a customized resume (with a cover letter, portfolio link, etc.) the "number one tactic for applicants to boost their chances of getting a job."
• You can address potential biases . In a perfect world, recruiters wouldn't count you out based on things like employment gaps or " job hopping ." Career coach Marlo Lyons recommends using your cover letter to "fill in any gaps" and provide context about these types of situations so recruiters don't get the wrong impression.

When You Should Include a Cover Letter

It's ultimately up to you whether you include a cover letter.

Octavia Goredema, career coach and author of Prep, Push, Pivot , says that the decision to submit a cover letter hinges on "where you are in your career journey and your personal career goals."

In addition to when it's a required part of the job posting, here are scenarios where it's in your best interest to submit one:

• If someone referred you to the job : According to Goredema, "If you were referred to an opportunity by someone at the company or have a personal history that correlates with the role, a cover letter enables you to share that."
• If you want to add additional information : Say the job you're applying to requires candidates to live on a specific coast. If you don't currently live in the area but are willing to relocate, mention that in your cover letter so you aren't automatically rejected based on your current location.
• If you're changing careers : Goredema recommends writing one "if you're in the early stages of your career or making a professional pivot. A cover letter provides the opportunity to add additional context to the information included in your resume."
• If you don't have any previous work experience : If you're new to the workforce, you may not have any applicable previous positions to include on your resume. Use your cover letter to highlight transferrable skills and explain why you think you'd still be a good fit.

Lastly, Goredema suggests that "if this is your dream job, a cover letter provides the space for you to explain with impact and highlight what you do best."

Debra Boggs, founder and CEO of D&S Executive Career Management, adds: "As long as a cover letter is well-written and error-free, it will never hurt your chances of winning an interview."

So the more important the role is to you, the more effort you should put in.

When You Shouldn't Include a Cover Letter

There are certainly times when you should send a cover letter with your resume—but are there times when you shouldn't send one in? Here are a few instances:

• If the application platform doesn't have a space to upload one : If there isn't a space for you to attach your cover letter or other supporting documents, don't sweat it. This means that other applicants won't be able to send one either.
• If the job posting doesn't require one : If the post specifically states that you shouldn't include a cover letter, it's not a trick. The recruiter likely doesn't plan to read it, so it's best to reserve your time for other job search activities .
• If you aren't a strong writer : Lyons recommends forgoing a cover letter if you aren't a good writer and don't have anyone to help you. "The cover letter could be your first impression, and a badly written one—especially with grammatical errors—could make recruiters not want to screen you for the job."
• If you don't have time : Strapped for time? Goredema suggests "[focusing] on your resume and the application requirements versus haphazardly throwing together a few sentences just to meet an application deadline."

What To Do When a Cover Letter is 'Optional'

"Optional" cover letters can feel like a trick. You want to show the recruiter you're interested in the role, but you don't want to waste your time if it isn't necessary.

Lyons recommends skipping the optional cover letter "if your resume and LinkedIn profile are complete and no further explanation is needed."

However, it can be helpful to write one if "your resume doesn't tell the whole story about you." (Think resume gaps or career changes.)

Goredema believes it can be helpful to include a cover letter, regardless of whether it's a requirement. "Why not take the opportunity? It may help you to stand out. Going the extra mile by sending a well-written, personalized cover letter can only work to your advantage versus working against you."

So it can be helpful to put in extra effort if you have more to add to your application. But you shouldn't include a subpar cover letter just for the sake of it.

7 Tips for Writing an Effective Cover Letter

Regardless of your feelings toward the now-controversial cover letter, you'll likely find yourself writing one for at least some of the jobs you apply to.

Here's how to draft one that actually grabs a recruiter's attention:

1. Keep Things Short

Lyons suggests writing "three to four paragraphs at most, with two to three sentences in each paragraph."

Goredema adds: "Avoid long rambling sentences and keep your letter concise to make it easy to read."

Even if a particular recruiter loves cover letters, they might sift through hundreds of applications to find the right candidates. So it's best to be brief.

2. Follow the Rules

Some recruiters will ask you to include a portfolio link, send the cover letter via email, ask you to answer specific questions, etc. Be sure to fully read the job post's requirements—you don't want to be counted out for failing to follow directions.

3. Don't Repeat Your Resume

Lyons cautions repeating information the recruiter already has access to. Instead, "Tell the story of you—something important that you did not cover on your resume and how that story connects to the current position."

Think of it as connecting the dots between your experience, skills and capabilities. Explain why you'd be a good fit for the role rather than repeating the skills section of your resume .

4. Use Active Voice and Action Verbs

With active voice, the subject of a sentence performs the action. Passive voice puts more emphasis on the object of the sentence.

Using active voice is more direct and straightforward. Plus, it helps keep things brief.

Aim to use active voice throughout your resume and cover letter. This will help you sound clear and confident.

Here's an example of passive voice, plus how to fix it to use active voice:

• Passive voice : The treats were eaten by the dogs.
• Active voice : The dogs ate the treats.

If you struggle with writing in active voice consistently, think about the action verbs you'd use to describe your skills and experiences.

For example, instead of "I was tasked with x," you could say, "I managed x."

5. Be Specific

Include specific examples (i.e., instead of "I'm a team player," allude to a situation where you were a team player). If you've ever taken a writing course, you've probably heard the advice "show don't tell." The same advice applies to your resume and cover letter.

You could say "I have marketing experience," but what does that communicate to the reader? Not much.

Be specific about your experience and accomplishments. Instead, say "I led a marketing campaign that increased quarterly newsletter sign-ups by 40%."

6. Proofread

Check your cover letter for grammar and spelling mistakes before submitting it to avoid a professional faux pas.

Use spellcheck or an external app like Grammarly, which is also compatible with web browsers.

7. Customize It

At best, a generic cover letter is boring or a little awkward. At worst, it can be unprofessional if what you wrote about has nothing to do with the job you're applying for.

Think about it this way: your cover letter might be the deciding factor between you and another candidate with the same skills and experience. So you want to grab the recruiter's attention.

You don't need to spend tons of time rewriting your cover letter for every job application, though. Here are a few things you can do to stand out:

• Address the hiring manager or recruiter by name (you can sometimes find this information on the LinkedIn job post)
• Include the company name and job title
• Mention what you like about the specific company and its culture
• Detail skills and experience specifically mentioned on the job post

Boggs advises to "create a template that you can easily customize to include the relevant skills and experience for each job and employer."

Read on for inspiration for your own template.

Cover Letter Template

It can be time-consuming to write a new cover letter for every job application. Here's a template you can customize for different positions:

Dear [name of recruiter, "hiring manager"] , I saw the job posting for [exact title of role] and am excited about the opportunity. [1-2 sentences detailing why you're interested in the role/company.] In my previous role, [brief description of your accomplishments beyond what your resume states.] I also have [1-2 sentences detailing relevant experience, including specific skills and level of proficiency.] [If applicable: include a short paragraph with a link to your portfolio or any other relevant links.] Thank you for your time—if you'd like to schedule an interview, please feel free to contact me [brief description of the best time and method for contact.] Sincerely, [Your Name] [Phone Number] [Email]

Cover Letter FAQs

Still wondering if you need a cover letter for your specific situation? Or if recruiters actually read every cover letter? Read on for answers.

Do I Need a Cover Letter for a Part-Time Job?

The same advice applies to part-time jobs—cover letters aren't always necessary, but they can help you stand out. If you're especially interested in a part-time role, it's a good idea to submit a cover letter.

Do I Need a Cover Letter for an Internship?

Many people who apply for internships don't have significant prior work experience, so a cover letter is especially helpful here.

Instead of previous jobs, you can talk about:

• Your education
• Extra-curricular activities
• Transferrable skills
• Volunteer experience

You can include similar points if you're looking for an entry-level job and don't have prior work experience.

Can I Use AI To Write a Cover Letter?

Proceed with caution when using ChatGPT or a similar tool to write content for you. Employers may be using AI content detectors to identify which candidates used a shortcut.

AI programs like ChatGPT create content based on their existing libraries, so content is never really "new." Meaning it's impossible to tell if you're accidentally plagiarizing someone unless you heavily edit the chatbot's answers.

Goredema points out a potential pitfall in relying too heavily on AI: "If your goal is to get an interview, you don't want there to be a huge gap between how you communicate on paper versus how you communicate in person ."

Here are a few ways you can use AI to add to the writing process :

• Checking for active voice
• Adding action verbs
• Creating a rough draft
• Checking your writing tone

Do Recruiters Actually Read Your Cover Letter?

The big question—is the effort behind your cover letter worth it? Again, there's no perfect answer.

The most important thing is to ensure hiring managers have all the information they need to fairly consider you for a position.

Boggs cautions: "Remember, not all recruiters and hiring managers read cover letters, so

make sure to include all your relevant qualifications and accomplishments

in your resume as well, so these details don't get missed."

But there are other creative ways to stand out apart from a cover letter.

According to Goredema, "The general feedback I hear from the recruiters I work with is that a resume accompanied by their LinkedIn profile supersedes a cover letter because they will tell a recruiter at first glance what they need to know about a candidate."

So, are cover letters really necessary these days?

Lyons says that recruiters primarily care about two things:

• "Does an applicant have the skills and capabilities to do the job?"
• "Will the applicant fit the culture of the team and the company?"

Cover letters can help you stand out among a sea of applicants or explain difficult job situations—so in most cases, it's helpful to include one with your resume.

But whether you decide to send a cover letter with your resume or not, be sure the recruiter has all the information they need to be confident about you and your experience.

Related Articles

• 6 Tips for Crafting an Executive-level Resume
• Seven Red Flags To Look Out for on a Job Ad, According to Business Experts
• How to Ask for a Raise in 7 Steps

Start your unlimited Newsweek trial

Discover business cover letter examples and more.

Tell hiring managers why you’re perfect for the job. Learn how to write a business cover letter with plenty of examples and a free downloadable template.

Your resume provides a high-level overview of your skills and experience — but a cover letter provides the hiring manager with more specific information about why you’re perfect for the job, both as a professional and as a person. A good cover letter can make or break any job application.

When to use a business cover letter.

A resume will only get you so far in a job hunt. Any time you submit a job application, you should include a business cover letter to accompany your resume. Think of it as a proposal to the hiring manager as to why you’re a good fit for the position.

Some clubs and organizations, especially mission-driven organizations, ask for cover letters from prospective members. They might want to see why you’d be a beneficial member who could further their mission before allowing you to join, which is the perfect time for a business cover letter.

Finally, you might want to include a cover letter if you plan to apply for a certification program. Some certifications have prerequisites. A business cover letter, along with your resume, is a great way to showcase your skills and that you’ve met all the requirements to earn the certification.

Download a free business cover letter template.

Not sure where to begin? Whether you’re looking for business cover letter examples for inspiration or want an outline to get started, you can download a free cover letter template online.

Once you download the template, you can convert the PDF to Word to customize the information to suit your skills and experience. You can also edit the PDF online to add text, leave sticky notes, and more.

To give you some ideas, here’s a quick business cover letter example of what you might want to make yours look like:

San Jose, CA | [email protected] | 123-555-4564

Dear Jane Doe, VP of Human Resources

I came across your job posting for an Account Executive on the Company website, and given my extensive business background, I believe I would be an asset to your organization.

For the past seven years, I have worked as an Account Executive for Big Business, LLC., handling dozens of accounts from businesses both domestic and abroad. I have a certification in Business Development from the ALCOP, and I am also proficient with all major project management software, including Jibberjab, Smile, and Wink.

In addition to my business background, I am a strong communicator with experience leading small teams to achieve set goals within projected timelines.

My schedule is flexible, and I would be interested in setting up a time to discuss the Account Executive position further. Thank you for your time, and I look forward to speaking to you.

Tips to write a business cover letter.

A business cover letter is a balancing act between covering as much information about yourself as possible while keeping it short, so it’s easy for hiring managers to read.

Always use professional language. In a business setting , efficiency is key. Hiring managers read through many applications and don’t have time for fluff. Keep your business cover letter short and straight to the point. Highlight your strong points as quickly as possible.

Be sure to proofread your cover letter for mistakes before sending it. Nothing comes off as more unprofessional than a typo in an important business letter.

Once you’re happy with the final result, remember to save your business cover letter as a PDF. PDFs maintain their formatting regardless of device. You can easily convert Word to PDF online to transform your cover letter into a sharable document that’s ready to send to hiring managers.

The best business cover letter format.

There are several differences between generic cover letters and business cover letters. Overall, business cover letters should be more professional, both in tone and layout. Similar to a standard business letter, professionalism and conciseness is key here. But rather than sell products or services, you’re selling your skills and experience.

To keep your cover letter on track, here’s an outline of the important information and sections to include in your business cover letter template:

• Personal information – Start your cover letter with your name, email, and telephone number at the top of the page in a block format. Address or city is optional.
• Date – Every business letter should be dated. Add the date under your contact information.
• Salutation – Greet the hiring manager. Include their name and perhaps even their job title, just to show you’ve done the research.
• Opening paragraph – Explain that you’re interested in the position and how you heard about the opening. Include the exact job title.
• Second paragraph – Provide a summary of your relevant experience and critical hard skills that make you the best person for the job.
• Third paragraph : Briefly discuss the soft skills that would make you an asset to the business and a good team player.
• Closing paragraph : Let the hiring manager know about your availability to discuss the job further. Thank the hiring manager for their time by name.
• Signature – End the letter with a professional signature.

You should also use a business cover letter format that’s clean and in a block format, with a highly legible font. Use single spacing and keep your margins consistent to maintain a business feel. The easier it is for a hiring manager to read your cover letter, the better.

Frequently asked questions.

Should i write a new cover letter for each application.

Each cover letter should be specific to the job you’re applying to. However, you can create a business cover letter template that covers basic information and quickly customize it before applying to a job to save time creating letters from scratch.

How long should a cover letter be?

Your cover letter should be three to four paragraphs, or approximately 250 to 400 words. Always try to keep it to one page.

Is a cover letter the same thing as a CV?

While they are both very similar, a cover letter isn’t quite the same as a CV. CV stands for curriculum vitae, which focuses mainly on academic achievements. Cover letters focus on professional experience. In the business world, cover letters are preferred.

Keep exploring

Content as a Service - acrobat-hub - Wednesday, October 4, 2023 at 08:45

Readers' Watchdog: Home damaged by weekend storms? Here's what you need to know

Insurance agents have a responsibility to make sure homes and other structures are insured for the right amount, and they are supposed to check that coverage annually. But many Iowa homeowners have found out too late after tornadoes like last weekend's, or other severe storms, they didn’t have enough coverage.

Attorneys who have filed lawsuits for clients against insurance companies following disasters in Iowa warn that after-the-fact complaints to the state may not do much good. So it’s always smart to review your homeowners policy annually to determine if it needs to be updated.

If your home was damaged in the storms, here's advice from the Iowa Insurance Division's post-disaster claims guide .

More: NWS: There were at least 17 tornados in Iowa last week. Here's what we know so far.

Should I file an insurance claim?

Before reporting damage, find out what your deductible is. If the damage is minor, you might decide you’re better off paying for the repairs out of pocket instead of filing an insurance claim. But remember that you might not be able to see all the damage. You may want to have a contractor inspect your home. If you believe the damage will cost more than your deductible to repair, or there’s a lot of damage, you may want to file a claim.

How do I file an insurance claim?

It’s important to notify your insurance company as soon as you know there’s damage and you decide to file a claim. The easiest way to report damage is to call your insurance company or agent directly.

From 2022 Central Iowa tornado victims wait and worry they will be told they are underinsured

When filing a claim, be sure to get the name and phone number for every person you talk to. Record your claim or reference number. Ask questions about your coverage, including what it includes, whether there are separate deductibles for hail, tornado or wind damage, and whether hotel costs are covered if you are displaced. Ask if there are any special processes or procedures you need to know about; when you can expect an adjuster to call; and what other information the company will need to process the claim.

More: For West Des Moines condo owners, a year-ago fire was only the beginning of their troubles

What other steps should I take?

Compile a list of all damaged or destroyed personal property (a home inventory list) and receipts, if you have them, showing when you bought the damaged or destroyed items. You’ll need this list when you meet with the adjuster.

If your home is severely damaged, do your best to secure it and your personal belongings. Gather important papers, including insurance policies. Take those with you if you can’t stay in your home. If you can’t stay in your home, save any hotel receipts. Contact your doctor’s office, pharmacy or health insurance provider if your prescription medicines were lost or if you lost your glasses, contacts, hearing aids, walker, wheelchair, or other medical equipment in the disaster. Make sure you notify utilities and your mortgage company and make arrangements for mail deliveries.

What should I expect my homeowners insurance to cover?

Most homeowners policies will pay the additional expenses you have if you can’t stay in your home because of damage from a covered disaster. For example, if you move into a hotel or apartment while your home is repaired or rebuilt, the insurance company will pay your costs for temporary housing. Just don’t expect the insurance company to pay for your stay at a 5-star resort.

If you don’t hear from an adjuster in a reasonable amount of time, contact your agent or the company. A reasonable amount of time could be three to five days for a minor claim. Be sure they know how to contact you.

How do I make sure I'm getting all that I'm entitled to?

Remember, your insurance settlement won’t necessarily be the same as your neighbor’s. Your coverages, deductible, and policy limits may be different even if the damage looks the same. If the insurance company denies any part of the claim, ask for the denial in writing. Keep all paperwork. If you don’t believe the offer is fair, call the insurance company. Be prepared to explain why you think the offer is unfair. If you’re not satisfied with the response, contact the insurance division.

Differences in construction estimates are common. Ideally, you and the insurance company should reach agreement on a “scope of loss.” This is a detailed list of the quantities of construction materials, labor, profit and overhead, building code compliance, and every single item required to repair or rebuild your home. Once you’ve submitted all the information that your insurance company needs, including written estimates from contractors, the adjuster will calculate the total cost.

Insurance carriers don't typically send one big check to resolve claims after major damage. Most consumers find it takes at least 18 to 24 months to repair or rebuild a home and replace their possessions. The claim stays open until the insurer has made all the payments the homeowner is entitled to under the policy.

How can I appeal my settlement?

Iowans who are having difficulty with their insurance carrier may  file a complaint with the Iowa Insurance Division . But beware: In Iowa, it's difficult for homeowners to win in disputes with their insurance companies unless they have legal representation.

Homeowners have two main ways to resolve disputes: submitting to a neutral appraiser panel or filing a lawsuit. Often, lawyers file lawsuits in disputes to preserve homeowners’ still-unpaid claims because most policies in Iowa carry a one-year deadline for legal action after the date of a loss.

How can I keep myself from being taken advantage of?

After storms and other disasters, fraudsters, scam artists and gougers often arrive quickly.

"This is when we need to lean on each other more than ever, neighbor-to-neighbor, and keep an eye out for those who seek to take advantage of Iowans’ hardships," Attorney General Brenna Bird said in a statement Monday. "Iowans are resilient, but they should not need to fight off scammers while rebuilding their lives."

Here are a few tips to help you avoid becoming a victim of a disaster fraudster or scam artist:

• If you’re working with contractors you don’t know, find out where they’re from. Many fraudsters will travel from state to state.
• Before you sign any contracts or pay any money, ask for references. Beware of those who are aggressive in their sales tactics, urging you to act immediately.
• Request a contractor’s driver’s license and take pictures of their vehicles’ license plates , and get a written contract. But and never sign a contract that allows the contractor to exclusively decide on final price, scope of work or materials.
• Never pay the full amount before the work is complete, and never pay by bank wire transfer, gift card, cryptocurrency, or cash.
• Ask your local Better Business Bureau and the state Attorney General’s Office about complaints against contractors you may be considering hiring. Also, check online.
• In most situations, you have three business days to cancel a home repair contract after signing it.
• Most importantly, report any suspected fraud to your insurance agent and the state insurance division as soon as possible.
• If you are suspicious of a storm-chaser scam or price gouging, contact the Iowa Attorney General’s Office at 888-777-4590 or file a complaint online at https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint .

On price gouging, state law defines it as occurring when an Iowan is charged excessive prices for essential goods or services following a disaster. Whether a price is excessive is generally based on pre-disaster prices. The law recognizes a reasonable pricing structure for the recovery period that may allow some increase in prices.

Gov. Kim Reynolds has issued two disaster proclamations in recent weeks related to the severe weather that trigger state regulations prohibiting price gouging in the affected counties ― Allamakee, Cass, Des Moines, Fayette, Henry, Lee, and Pottawattamie ― during the period of the proclamation and up to an additional six months. Items regulated under the anti-gouging protections include but are not limited to, water, food, medicines, sanitation supplies, utilities, and building materials.

To report suspected price gouging, visit iowaattorneygeneral.gov and search for "price gouging" to access an online or printable complaint forms.

Lee Rood's Reader's Watchdog column helps Iowans get answers and accountability from public officials, the justice system, businesses and nonprofits. Reach her at  [email protected] , at 515-284-8549, on Twitter at  @leerood  or on Facebook at  Facebook.com/readerswatchdog .

Letters: Joe Biden has done wonders for our economy; What is happening with U.S. 98?

# Opinions expressed in Letters to the Editor are those of our readers and not the Pensacola News Journal. In order for letters to be considered for publication, they must be 250 words or less and include name, a full address and phone number. Only your name and city of residence will be published. Email submissions to [email protected] .

Biden’s policies have done wonders for our economy

Alex Crawford took time to write distorted information regarding U.S. policy tools and sanctions.

Correction: After Russia invaded Ukraine, the U.S. and European allies banned the import of Russian oil and natural gas . And, they placed a $60-a-barrell cap on Russia’s oil sold with western shipping or insurance.

It is the job of the U.S. Congress to present a solution to the problem on the Mexico/U.S. border. Congress has done nothing.

In 2022, The Chips & Science Act passed Congress with bipartisan support − one of Biden’s biggest wins. This federal investment in U.S. chips manufacturing is to support new facilities to end the shortage of microchips. It will create 7,000 construction jobs and 3,000 manufacturing jobs.

In 2020, the U.S.-based automakers exported more than 215,000 electric vehicles, the most of any single nation. The electric vehicle market in the U.S. broke records in 2022. Thirteen carmakers have announced plans to spend more than $75 billion to open electric vehicle manufacturing plants in six states in the US.

Since President Biden took office, companies have invested nearly $85 billion in manufacturing of electric vehicles, batteries, and EV chargers in the United States. People want them.

Fay Walker, Pensacola

Readers don't hold back: Letters: Self-proclaimed ‘patriots’ are just Trump apologists; Withdraw Israel support

U.S. 98 reconstruction has been a complete mess

I moved to Gulf Breeze two and a half years ago. My question is what in the world is happening with U.S. 98 reconstruction? These people created a mess, dug out everything and left. I see almost no progress on reconstruction, and no one is working on it. Unbelievable and unacceptable. I lost two windshields to rocks flying from road.

Next question pertains to boat ramps. I am paying $75 per year to use a Gulf Breeze boat ramp. I don’t know why; it is free for Gulf Breeze residents living in certain zip code. If you come after 6 a.m., you will not be able to park your trailer/vehicle.

The boat ramp under the new bridge on the Gulf Breeze side is closed. Somebody worked on it and left it two years ago, and no one is working there now.

The Woodlawn Beach Road boat ramp in also closed, though someone is performing work over there.

I live in Heather’s Place. Our road, River Birch Road, is the worst road in Florida, and no one is working to fix it. Looks like they will wait two to three years until a new phase of house building is complete.

All of this is complete mess, sloppy and unacceptable.

Zlatko Salihbegovic, Gulf Breeze

Old East Hill should demand new Malcolm Yonge Center

Florida’s municipalities exercise “Home Rule.” Each has a constitution or “charter” expressing the will of the people. Some cities have a “Power of Referendum” allowing voters to challenge council actions. A referendum is a veto by the people.

The authoritative Model City Charter heavily relied upon by Pensacola’s charter review commission recommends, “When a referendum petition is filed with the city clerk, the legislation sought to be reconsidered shall be suspended from taking effect.”

On Aug. 19, 2009, the commission voted right after discussing the effect of the suspension. City Hall has the records on file. I gave them copies again earlier this year.

Mayor Reeves opposes referendums. He mocked the women leading the fight to save the Malcolm Yonge Center as emotional, hysterical and “pearl-clutchers.” Reeves' grand plan is to convert Malcolm Yonge’s land park land to housing.

A referendum is a legislative process similar to a mayoral veto. On March 6, Reeves interfered in the referendum unilaterally ordering the gym demolished to quash the petition drive. Twenty days into a 60-day petition drive, the citizens already had collected more than 2,000 signatures.

CRA Chairperson Brahier said Old East Hill was “gentrified” and didn’t need Malcom Yonge Center. I now see lots of “Rebuild Malcolm Yonge” signs on lawns. Old East Hill should exercise its “Power of Initiative” to demand a new Malcolm Yonge Center.

Christopher J. Lewis, Pensacola

Vote Democrat as if your life depends on it

I want everyone reading this to imagine you are a woman. You just found out you are pregnant, you are thrilled! You are making joyful plans to welcome a beautiful baby. Suddenly, there is excruciating pain and blood. You rush to the hospital, and they tell you that you are in danger and will die unless you have an abortion procedure that cannot be done until the fetus has no heartbeat.

Time passes while you suffer. Soon there is no heartbeat. Not the fetus, and not yours. No one should have to suffer that fate, but that will happen soon here in Florida. A six-week abortion ban will become law. Our Republican-elected officials thought it was a great idea to take the right to basic health care and the most basic humanity from women in this state.

Please remember this and pray for the women who will die. And in November, vote ‘yes’ for Amendment 4, the constitutional right to abortion before fetal viability, and vote for every Democrat on that ballot. Vote like our lives depend on it...because they do!

Marilyn Brown, Pensacola

Hear from our readers: Letters: Pensacola officials could learn from Fairhope’s free downtown public parking

‘Evangelicals’ for Trump are in need of their own saving

When I was a young boy, I received a strong dose of evangelical religion. It seemed like everyone in my mama's church was either praying for me or trying to drag me to the altar to be saved. Sermons were usually directed toward planting fear, and elevating guilt.

I escaped because my guilt was not great enough to do a "tell-all" in front of a crowd. My religious beliefs were kept private and personal, and I was not attracted to charismatic behavior.

When I heard that a lot of evangelicals had aligned with Donald Trump, I was in total disbelief. I thought the virtues of truth and honesty were more highly valued by them. For "so called" religious people to embrace a man whose philosophy is apparently "deny and lie" represents hypocrisy.

The phenomenon of evangelicals forming a new base for Donald Trump brings me to a recommendation. I offer this knowing that it will ignite some "brother against brother" conflict within my own family. That notwithstanding, here is my recommendation.

Just as the evangelicals tried so diligently to save me, it's now time for someone to save them.

Charles Creel, Bagdad

Florida fees keep regular citizens off ballots

I recently moved to Pensacola from Missouri. I have seen people collecting signatures to get political candidates on the ballot. I honestly have never seen this done before and was totally puzzled.

Google being my friend, I found that in Missouri a candidate only has to pay $300 to have their name on the ballot for U.S. Senate/House. While 20 states have no fees and others low fees, Florida requires six percent of the annual salary of the office they are running for or a petition with the required signatures by the deadline. In this case a congress member makes $174,000 per year.

Well holy cow, you have to be kidding me! I can assure you I would never run if I had to pay that up front. That is $10,440. This is far above the next highest fee of two percent of annual salary in Virginia.

Florida has designed the election platform to keep the regular folks out of office and give those with daddy' money a hand up in the process. When in all actuality what is needed is more regular folks representing regular folks.

Political party doesn’t matter, this is just wrong.

Janis Deveney, Pensacola

If Biden is ‘Crooked Joe’, what does that make Trump?

Trump refers to Joe Biden as "Crooked Joe". Who has 88 felony charges against him? Trump or Biden? The CFO of Trump's financial organization went to jail for the second time today. If you think that Joe Biden is a crook and not Donald Trump, then I have a wall to sell you along the U.S.-Mexico border that Mexico paid for.

David Venn, Cantonment

Never miss a story: Subscribe to the Pensacola News Journal using the link at the bottom of the page under Stay Connected.

Advertisement

Supported by

Congress Passed a Bill That Could Ban TikTok. Now Comes the Hard Part.

President Biden has signed the bill to force a sale of the video app or ban it. Now the law faces court challenges, a shortage of qualified buyers and Beijing’s hostility.

• Share full article

By Sapna Maheshwari and David McCabe

Sapna Maheshwari reported from New York, and David McCabe from Washington.

A bill that would force a sale of TikTok by its Chinese owner, ByteDance — or ban it outright — was passed by the Senate on Tuesday and signed into law Wednesday by President Biden.

Now the process is likely to get even more complicated.

Congress passed the measure citing national security concerns because of TikTok’s Chinese ties. Both lawmakers and security experts have said there are risks that the Chinese government could lean on ByteDance for access to sensitive data belonging to its 170 million U.S. users or to spread propaganda.

The law would allow TikTok to continue to operate in the United States if ByteDance sold it within 270 days, or about nine months, a time frame that the president could extend to a year.

The measure is likely to face legal challenges, as well as possible resistance from Beijing, which could block the sale or export of the technology. It’s also unclear who has the resources to buy TikTok, since it will carry a hefty price tag.

The issue could take months or even years to settle, during which the app would probably continue to function for U.S. consumers.

“It’s going to be a royal mess,” said Anupam Chander, a visiting scholar at the Institute for Rebooting Social Media at Harvard and an expert on the global regulation of new technologies.

TikTok pledged to challenge the law. “Rest assured, we aren’t going anywhere,” its chief executive, Shou Chew, said in a video posted to the platform. “We are confident, and we will keep fighting for your rights in the courts.”

Here’s what to expect next.

TikTok’s Day in Court

TikTok is likely to start by challenging the measure in the courts.

“I think that’s the one certainty: There will be litigation,” said Jeff Kosseff, an associate professor of cybersecurity law at the Naval Academy.

TikTok’s case will probably lean on the First Amendment, legal experts said. The company is expected to argue that a forced sale could violate its users’ free speech rights because a new owner could change the app’s content policies and reshape what users are able to freely share on the platform.

“Thankfully, we have a Constitution in this country, and people’s First Amendment rights are very important,” Michael Beckerman, TikTok’s vice president of public policy, said in an interview with a creator on the platform last week. “We’ll continue to fight for you and all the other users on TikTok.”

Other groups, like the American Civil Liberties Union, which has been a vocal opponent of the bill, may also join the legal fight. A spokeswoman for the A.C.L.U. said on Tuesday that the group was still weighing its role in potential litigation challenging the law.

The government will probably need to make a strong case that ByteDance’s ownership of TikTok makes it necessary to limit speech because of national security concerns, the legal experts said.

TikTok already has a strong record in similar First Amendment battles. When he was president, Donald J. Trump tried to force a sale or ban of the app in 2020, but federal judges blocked the effort because it would have had the effect of shutting down a “platform for expressive activity.” Montana tried to ban TikTok in the state last year because of the app’s Chinese ownership, but a different federal judge ruled against the state law for similar reasons.

Only one narrower TikTok restriction has survived a court challenge. The governor of Texas announced a ban of the app on state government devices and networks in 2022 because of its Chinese ownership and related data privacy concerns. Professors at public universities challenged the ban in court last year, saying it blocked them from doing research on the app. A federal judge upheld the state ban in December, finding it was a “reasonable restriction” in light of Texas’ concerns and the narrow scope affecting only state employees.

Small Buyer Pool

Analysts estimate that the price for the U.S. portion of TikTok could be tens of billions of dollars.

ByteDance itself is one of the world’s most valuable start-ups , with an estimated worth of $225 billion, according to CB Insights, a firm that tracks venture capital and start-ups.

The steep price tag would limit the list of who could afford TikTok. Tech giants like Meta or Google would probably be blocked from an acquisition because of antitrust concerns.

Private equity firms or other investors could form a group to raise enough money to buy TikTok. Former Treasury Secretary Steven Mnuchin said in March that he wanted to build such a group. And anyone who can pony up the money still has to pass muster with the U.S. government, which needs to sign off on any purchase.

Few others have expressed public interest in buying the app.

The last time the government tried to force ByteDance to sell TikTok in 2020, the company held talks with Microsoft and the software company Oracle. (Oracle and Walmart ultimately appeared to reach an agreement with ByteDance, but the deal never materialized .)

A Complicated Divestment

Even if TikTok approaches a sale, the process of separating TikTok from ByteDance is likely to be messy.

The legislation prohibits any connection between ByteDance and TikTok after a sale. Yet TikTok employees use ByteDance software in their communications, and the company’s employees are global, with executives in Singapore, Dublin, Los Angeles and Mountain View, Calif.

It’s unclear if ByteDance would consider selling TikTok’s entire global footprint or just its U.S. operations, where the company has nearly 7,000 employees.

Breaking off just the U.S. portion of TikTok could prove particularly challenging. The app's recommendation algorithm, which figures out what users like and serves up content, is key to the success of the app. But Chinese engineers work on that algorithm, which ByteDance owns.

During Mr. Trump’s attempt to force a sale in 2020, the Chinese government issued export restrictions that appeared to require its regulators to grant permission before ByteDance algorithms could be sold or licensed to outsiders.

The uncertainty around the export of the algorithm and other ByteDance technology could also deter interested buyers.

China’s Unpredictable Role

The Chinese government could also try to block a TikTok sale.

Chinese officials criticized a similar bill after the House passed it in March, although they have not yet said whether they would block a divestment. About a year ago, China’s commerce ministry said it would “firmly oppose” a sale of the app by ByteDance.

Chinese export regulations appear to cover TikTok’s content recommendation algorithm, giving Beijing a say in whether ByteDance could sell or license the app’s most valuable feature.

It “is not a foregone conclusion by any means” that China will allow a sale, said Lindsay Gorman, a senior fellow at the German Marshall Fund who specializes in emerging tech and China.

China may retaliate against American companies. On Friday, China’s Cyberspace Administration asked Apple to remove Meta’s WhatsApp and Threads from its App Store, according to the iPhone manufacturer. The Chinese government cited national security reasons in making the demand.

Sapna Maheshwari reports on TikTok, technology and emerging media companies. She has been a business reporter for more than a decade. Contact her at [email protected] . More about Sapna Maheshwari

David McCabe covers tech policy. He joined The Times from Axios in 2019. More about David McCabe

An official website of the United States government

Here's how you know

The .gov means it's official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.

The site is secure. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

What the New Overtime Rule Means for Workers

One of the basic principles of the American workplace is that a hard day’s work deserves a fair day’s pay. Simply put, every worker’s time has value. A cornerstone of that promise is the  Fair Labor Standards Act ’s (FLSA) requirement that when most workers work more than 40 hours in a week, they get paid more. The  Department of Labor ’s new overtime regulation is restoring and extending this promise for millions more lower-paid salaried workers in the U.S.

Overtime protections have been a critical part of the FLSA since 1938 and were established to protect workers from exploitation and to benefit workers, their families and our communities. Strong overtime protections help build America’s middle class and ensure that workers are not overworked and underpaid.

Some workers are specifically exempt from the FLSA’s minimum wage and overtime protections, including bona fide executive, administrative or professional employees. This exemption, typically referred to as the “EAP” exemption, applies when: 

1. An employee is paid a salary,  

2. The salary is not less than a minimum salary threshold amount, and 

3. The employee primarily performs executive, administrative or professional duties.

While the department increased the minimum salary required for the EAP exemption from overtime pay every 5 to 9 years between 1938 and 1975, long periods between increases to the salary requirement after 1975 have caused an erosion of the real value of the salary threshold, lessening its effectiveness in helping to identify exempt EAP employees.

The department’s new overtime rule was developed based on almost 30 listening sessions across the country and the final rule was issued after reviewing over 33,000 written comments. We heard from a wide variety of members of the public who shared valuable insights to help us develop this Administration’s overtime rule, including from workers who told us: “I would love the opportunity to...be compensated for time worked beyond 40 hours, or alternately be given a raise,” and “I make around $40,000 a year and most week[s] work well over 40 hours (likely in the 45-50 range). This rule change would benefit me greatly and ensure that my time is paid for!” and “Please, I would love to be paid for the extra hours I work!”

The department’s final rule, which will go into effect on July 1, 2024, will increase the standard salary level that helps define and delimit which salaried workers are entitled to overtime pay protections under the FLSA. 

Starting July 1, most salaried workers who earn less than $844 per week will become eligible for overtime pay under the final rule. And on Jan. 1, 2025, most salaried workers who make less than $1,128 per week will become eligible for overtime pay. As these changes occur, job duties will continue to determine overtime exemption status for most salaried employees.

The rule will also increase the total annual compensation requirement for highly compensated employees (who are not entitled to overtime pay under the FLSA if certain requirements are met) from $107,432 per year to $132,964 per year on July 1, 2024, and then set it equal to $151,164 per year on Jan. 1, 2025.

Starting July 1, 2027, these earnings thresholds will be updated every three years so they keep pace with changes in worker salaries, ensuring that employers can adapt more easily because they’ll know when salary updates will happen and how they’ll be calculated.

The final rule will restore and extend the right to overtime pay to many salaried workers, including workers who historically were entitled to overtime pay under the FLSA because of their lower pay or the type of work they performed. 

We urge workers and employers to visit  our website to learn more about the final rule.

Jessica Looman is the administrator for the U.S. Department of Labor’s Wage and Hour Division. Follow the Wage and Hour Division on Twitter at  @WHD_DOL  and  LinkedIn .  Editor's note: This blog was edited to correct a typo (changing "administrator" to "administrative.")

• Wage and Hour Division (WHD)
• Fair Labor Standards Act
• overtime rule

SHARE THIS: