Recall common claim terms and avoid the most common claim-language traps.
FNOL What does FNOL stand for, and what does it trigger? The claim clock starts here. ACV versus RCV: what changes? Always check the policy's valuation wording. You sent an ROR letter, so you are denying the claim. Your line A reservation of rights means coverage questions are being preserved while the facts and policy are reviewed. It is not the same thing as a final denial. Letting the insured assume every coverage letter is a denial. It reduces fear while keeping the investigation boundary clear. What should "subro possible" make you check? Whether a responsible third party exists and…
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