Three common types
- Affirmation: coverage confirmed, claim moves to valuation
- Reservation of rights: carrier investigating, not waiving defenses
- Denial: specific policy language cited to exclude
How to read one
- Identify the specific policy language cited
- Check the facts cited against your own record
- Note deadlines (time-to-respond, time-to-sue)
Your response
If the position is wrong, respond in writing with facts and documentation. Do not rely on phone calls.