HomeNeutral EvaluationUse casesDifferences & disputes
TN/USE/21
Edition 2027 · effective 1 January 2027
Differences & disputes · An insurance coverage question
The insured and the insurer read the same wording differently.
An independent coverage evaluation narrows or resolves the question before litigation, and keeps the relationship intact.
§ 01The evaluation question
What the evaluator is asked.
“Does the policy respond to this loss, and to what extent?”
(The question)
Commissioned by. Insured and insurer, or broker
When. When coverage is reserved or declined
Usual protocol. A · Joint-party evaluation
§ 02What is examined
The evidence, and the output.
The evidence
Material reviewed, and what was not available, is always stated.
- Policy wording
- Facts of the loss
- Exclusions and conditions
- Quantum where relevant
A view on coverage and range of quantum
A reasoned view. The decision stays with you.
- It will not: adjusting the claim
§ 03Depth and time
Usually: Early Neutral Evaluation.
An independent view of the merits of a difference. Typical time: Two to four weeks.
§ 04Your version
Every case is different. Frame yours.
§ 05Related