Insurance 101 – Chapter 8 – Volume 71 – Recommendations


An insurer faced with a claim that may have been reported in a less than prompt fashion should always, before commencing  investigation, reserve its rights in writing or obtain the insured’s signature on a non-waiver agreement so that a thorough  investigation may be conducted without concern that the investigation itself will be construed to be a waiver of the limitation period. The reservation of rights letter, if the facts exist, should inform the insured of the policy conditions that may have been breached so that the insured will have the opportunity to explain to his insurer why they were not breached.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.


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