One of the most critical elements of claim handling is managing the reservation-of-rights (ROR) process. Our subscribers frequently ask whether we think an ROR letter is on point, and, at times, adjusters run their thoughts past us about generating one.

I believe people on both sides of the fence — from adjusters issuing them to agents reviewing them for their clients — understand their importance in the adjustment process. However, sometimes it seems that adjusters are just whipping out their pens (or keyboards) and dashing off letters more as a matter of course than actually trying to present a logical position.

Giving Notice

For example, when a third party files a liability claim for damage or injury involving an insured’s product or work, adjusters sometimes see the words “product” or “project” and turn to a boilerplate litany of the business risk exclusions. However, merely citing them and then adding that “other exclusions also may apply,” isn’t quite as valuable to the insured as it should be.

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