Important Update on Your Claim Review
Claim Number: {{claim_number}}
Dear {{claimant_name}},
We are writing to tell you that we are investigating your claim under a Reservation of Rights. This means that although we are investigating your claim, we are not yet sure if your policy covers this loss.
What This Means for You
- We are still investigating: We will continue to look into the details of your claim.
- We may not cover the loss: There may be parts of your policy that do not cover this situation. We will let you know our final decision as soon as we finish our investigation.
- You should still cooperate: Please continue to send us any information we ask for so we can finish our review.
Why We Are Sending This Letter
We are sending this letter because we need more information to see if certain parts of your policy apply to this claim. These parts include:
- {{policy_provision_1}}
- {{policy_provision_2}}
We are not saying that your claim is denied. We are only saying that we are not yet sure if it is covered.
Contact Your Adjuster
If you have any questions about this letter, please call your adjuster, {{adjuster_name}}, at {{adjuster_phone}}.
Sincerely,
{{company_name}} {{adjuster_name}}
Jurisdiction Notes
Illinois
Assess the actual conflict before promising independent counsel at the insurer’s expense. The Seventh Circuit’s Consolidated Chassis decision does not make every reservation an automatic trigger. See the independent-counsel clarification.
West Virginia
Keep subsequent defense and excess-exposure correspondence consistent with the detailed reservation. Dye found no waiver or estoppel on its record; it does not immunize every later communication. See the reservation and later-letter guidance.
