Coverage Letters
Every coverage question answered from the policy wording, with a cited letter drafted for counsel.
Why it matters
Coverage analysis means assembling the right policy forms and endorsements, reading the complaint and writing the letter by hand — days per claim, and one missed endorsement weakens the position.
How the solution handles it
Six agents assemble the policy as issued with every endorsement, read the allegations, map each fact to the wording, check exclusions and conditions, find past positions on similar facts and draft the letter with every statement cited. Coverage counsel decides the position and signs.
How a coverage question moves
Six specialist agents assemble the policy, map facts to wording and draft the letter; coverage counsel decides the position and signs.
What it reads, and what it hands back.
What goes in
- Policy, forms and endorsements
- Complaint or demand letter
- FNOL and adjuster notes
- Prior coverage positions
What comes out
- Draft coverage letter (ROR or position)
- Coverage chart: facts to wording
- Issues list for counsel
- Signed letter on file
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Source: NAIC Model Regulation 902 (21 days after proof of loss; varies by state) · “Target” = design goal, measured in the live solution · agents = the live solution’s configuration
6 specialist agents. One person decides.
More in this division.
Every first notice of loss read, scored and routed to the right adjuster within the hour.
Reserve ReviewEvery open claim’s reserve tested against its file each quarter, with gaps explained before anyone asks.
Litigation ReviewEvery suit summarised and every legal bill checked against your guidelines before it is paid.
Build this
for your team.
We’ll show Coverage Letters running on your own documents.