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Understanding Reservation of Rights, Denial of Coverage & Non-Waiver Agreements

Understanding Reservation of Rights, Denial of Coverage & Non-Waiver Agreements

Understanding Reservation of Rights, Denial of Coverage & Non-Waiver Agreements


You’ve just received a letter from your insurance company denying coverage for a certain claim. It also contains an agreement called "reservation of rights". It’s important to understand what these terms mean and how they might affect you before you take any further action. Here is an overview of reservation of rights, denial of coverage and non-waiver agreements.

What is a Reservation of Rights?

A Reservation of Rights is an agreement made by the insurance company to continue the investigation into your claim while simultaneously reserving their right to deny coverage later if they find information that would otherwise make them ineligible. The insurance company reserves the right to investigate further and may decide to deny coverage after all. It’s important to note that this does not necessarily mean they will ultimately deny coverage—just that they are currently reserving their right to do so.

What is a Denial of Coverage?

A Denial of Coverage means that the insurance company has determined it won't cover a certain claim or part of a claim. This could be due to many reasons including policy exclusions, insufficient evidence for them to determine liability or other factors. In some cases, the insurer may provide reasons for why they denied your claim in their letter but in others, it can be difficult for you to determine why your claim was denied without further investigation.

What is a Non-Waiver Agreement?

A Non-Waiver Agreement is an agreement between you and the insurance company that states they will not waive their rights to deny coverage if new information comes up during the course of the investigation into your claim. This type of agreement serves as protection for both parties since it ensures that no matter what happens during the investigation process, both parties must continue abiding by its original terms until either party decides otherwise.



Reservation of rights, denial of coverage and non-waiver agreements are three key concepts you should understand when dealing with an insurance company regarding any claims you have made or are making. If you are unsure about any aspect related to these issues, please contact Five Star Claims Adjusting in South Florida for more information on how we can help with your public claims adjuster needs! We look forward to hearing from you!

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We represent you, not the insurance company.
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Suite 125,
Fort Lauderdale, FL 33309

(954) 302-1106

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