The prevailing belief in most insurer-oriented circles is that coverage for the COVID-19 claims will be denied. In fact, there are some adjusters who, immediately upon reviewing the policy's virus/contamination/pandemic exclusion, issue declinations of coverage. (Credit: Olivier Le Moal/Shutterstock) The prevailing belief in most insurer-oriented circles is that coverage for the COVID-19 claims will be denied. In fact, there are some adjusters who, immediately upon reviewing the policy's virus/contamination/pandemic exclusion, issue declinations of coverage. (Credit: Olivier Le Moal/Shutterstock)

Adjusters are forever between the proverbial rock and a hard place. Gallons of ink have been spilled in articles discussing insurance coverage for claims as a result of COVID-19. The departments of insurance's regulations for good faith claims handling dictate how adjusters must investigate a loss. While courts are months away from interpreting coverage, adjusters cannot delay their investigations into COVID-19 losses.

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