Editor's Note: Kevin Quinley, CPCU, ARM, AIC, is the principal of Quinley Risk Associates LLC and the author of the following article.
Sooner or later, all adjusters will find themselves examining claims that pose coverage issues. These controversies may pertain to the date of loss, additional insureds, applicability of exclusions, intentional acts, breach of policy conditions, late notice, non-coverage for certain counts, or punitive damages.
It is considered a best practice for adjusters to assess coverage as one of the first steps or the first step in handling any claim. If there is no coverage, then liability and damages may be moot. If coverage is lacking, then that is game, set, and match. “Game over!” Do not pass GO. Do not collect $200—or rather anything from the policy proceeds. Supervisors and texts urge fledgling adjusters to first verify coverage as a threshold issue. This is sound advice.
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