Editor’s Note: Kevin Quinley, CPCU, ARM, AIC, is the principal of Quinley Risk Associates LLC and the author of the following article.

Sooner or later, all adjusters will find themselves examining claims that pose coverage issues. These controversies may pertain to the date of loss, additional insureds, applicability of exclusions, intentional acts, breach of policy conditions, late notice, non-coverage for certain counts, or punitive damages.

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