HomeSituationsProjects & contractsInsurance coverage question
TN/SIT/29
Edition 2027 · effective 1 January 2027
Projects & contracts · Insurance coverage question
A loss happened. Whether the policy responds is now the question.
Coverage disputes often turn on interpretation and quantum. Evaluation and mediation resolve them faster and preserve the insurance relationship.
§ 01What it looks like
Recognise it early. The earliest moment is the cheapest.
What you notice first
Small, and easy to explain away.
- Reservation of rights letters
- Disputed quantum
- Delays in claims handling
- Brokers caught between
What waiting can cost
Usually more than the original issue.
- Recovery of the loss
- The insurance relationship
- Cost and time
§ 02The Neutral route
Usually: Neutral Evaluation.
An independent evaluation of coverage or quantum often unlocks settlement.
Neutral Evaluation
You decide. The evaluator advises.
Also used · Binding only if the parties sign an agreementMediation
The parties decide. The mediator never imposes.
§ 03The steps
What a good process looks like.
- Agree the precise coverage questionBefore anything else01
- Separate coverage from quantumThe moment independence enters02
- Evaluate independentlyWhere the work is done03
- Mediate settlementSo it holds04
§ 04Prepare and avoid
What to bring. What to leave out.
(Bring)
01
Policy wording
02
Claim documents
03
Loss adjuster reports
04
Correspondence
(Avoid)
✕
Litigating before testing the question
§ 05Your version
Every situation is different. Describe yours.
§ 06Related