Coverage Evaluation

Coverage Evaluation gives you a clear, defensible answer to the question, "Is this loss covered, and for how much?" I dissect motor carrier and inland marine policies line by line, performing a full Policy Coverage Review on the specific facts of the claim rather than relying on assumptions or internal habits.

I run a targeted Coverage Gap Analysis to flag any deficiencies that could affect indemnity spend on this file or future ones, and I complete a Self-Insured Retention Assessment so you know exactly how SIR terms drive payment responsibility and timing. I also handle Coverage Limit Verification, tying policy limits and sublimits directly to the claimed damages.

Every assignment includes Claim Eligibility Determination and detailed Exclusion Identification, with plain‑language explanations that claims staff, defense counsel, and insureds can all follow. The end result is a tight, documented coverage position you can stand on-improving reserve accuracy, reducing leakage, and cutting down on back‑and‑forth arguments about what the policy actually supports.