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Even though an insurer defends a claim, it can still deny coverage — as long as the reservation of rights letter is phrased correctly. (Photo: Shutterstock)

Editor’s note: The recent decision in Harleysville Group Insurance v. Heritage Group Communities should be a wake-up call for insurers of the need to draft proper reservation of rights (ROR) letters. The consequences of getting it wrong can be severe. Hear about the case, and get a 50-Item ROR checklist, by attending the webinar on May 18: The Definitive Reservation of Rights Checklist: 50 Things That Every ROR Needs.”

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