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Understanding the Reservation of Rights Letter

The reservation of rights letter is often misunderstood by insurers, insureds, and attorneys. This treatment attempts to clarify its use.

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Reviewed 2023

Joseph P. Monteleone

Summary: The reservation of rights letter is often misunderstood by insurers, insureds, and attorneys. This treatment attempts to clarify its use.

This article was written by Joseph P. Montelone who is Vice President and Claims Counsel at Hartford Financial Products in New York . It originally appeared in an edition of Claims Magazine and is reproduced with permission.

Topics covered:

Introduction

Excluded activity

Occurrence prior to effective date

What should a reservation of rights letter do?

Conclusion

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