Coverage Letters
Every coverage letter drafted with the exact policy words and facts, on time, for a person to decide and sign.
Why it matters
Coverage letters must quote the exact policy language and facts; adjusters draft them by hand under deadlines such as California’s 40 days, and a vague letter can waive defences or invite bad-faith claims.
How the solution handles it
Five agents assemble the exact policy forms in force, map the facts to each grant, exclusion and condition, check the state’s letter rules and deadlines, and draft the letter with every clause quoted and cited. Coverage counsel or the adjuster edits, decides and signs.
How a coverage question moves
Five agents assemble, map, analyse, check and draft every coverage position; coverage counsel decides and signs.
What it reads, and what it hands back.
What goes in
- Policy, forms and endorsements
- Claim file and adjuster notes
- Expert and cause-of-loss reports
- Recorded statements
- State claim regulations
What comes out
- Coverage analysis, clause by clause
- Reservation-of-rights letter draft
- Decision letter draft
- Deadline calendar
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.
California 10 CCR §2695.7(b): accept or deny within 40 days; written denials cite the policy provision · “Target” = design goal, measured in the live solution · “Estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Thousands of storm claims read, triaged and on a clock in the first week, so adjusters reach the worst first.
Adjuster Report ReviewEvery field report and estimate reviewed line by line against the photos and policy, in under an hour.
Contents ValuationA 600-item contents list priced, depreciated and checked in a day, every price with its source.
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