---
path: /guides/serff-objection-response
title: "How to respond to a SERFF objection letter"
description: "How to respond to a SERFF objection letter: build the response letter, comment on every objection, attach schedule item revisions, and submit to the state."
section: Resources
priority: 0.6
changefreq: monthly
source_file: pages/marketing/seo/articleData.ts
---

# How to respond to a SERFF objection letter

When a state reviewer finds a filing does not meet requirements, they send an objection letter, and the filer must reply with a response letter. Here is the process, and how to keep every response defensible.

## The process

- Open the objection letter from the Correspondence tab and review each objection.
- Make any needed schedule item revisions or additions while the filing is in Revise mode, then save.
- Start the response letter with "Respond" next to the objection letter; SERFF matches schedule item changes to objections.
- Enter a comment for every objection — required even when no schedule change was needed.
- Save, then Submit to send the response to the state. When every objection letter has a response, status moves to Pending State Action.

## Notes that trip people up

- There can be only one response letter per objection letter.
- Additional schedule item changes cannot be made inside the response letter — save, return to Revise mode, then associate them.
- Use a Note to Reviewer only for general questions, never to submit approvable material.

## Keeping responses defensible

Every response should tie back to a schedule item and a source. Tesora keeps the provenance of every factor and a full audit log of the filing, so a response can point straight to the figure that answers the objection.