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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.

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