Reservation of Rights Review Agent

Coverage questions are often spotted late, and a letter with the wrong policy language can hurt the insurer. This agent reads the claim and the policy, then finds possible coverage issues, such as an exclusion, late notice or a misdescribed loss. It checks the exact wording and the notice deadline required by the rules. It builds a file for the adjuster with each issue, the quoted policy text and the date the letter must go out. If a citation is weak or not matched to the text, it goes back for another search. The claims lead approves any letter. Edge case: the policy was endorsed mid-term, so the agent compares both versions and cites the one in force on the loss date.