In “A Risk Manager’s Guide to Reservation of Rights,” we learn how an insurer protest against paying a claim is commonly initiated and communicated: the dreaded reservation of rights letter.

“My father, despite being financially secure, cries poverty, and refuses to spend money for upkeep of our home. This behavior has gotten him and mom sued over their enormous tree that split … ...

Cases like this demonstrate the value of open communication with a policyholder via a reservation of rights letter. ... the existence of a reservation of rights letter is very important.

Reservation of Rights Letters, thus, should at a minimum: 1) contain specific language requiring ... Attorney Advertising Notice: Prior results do not guarantee a similar outcome.

Conflicts That Can Arise from a Reservation of Rights. ... Most states, like Texas, require a case-by-case examination of the facts and a showing of an actual, present conflict of interest.

Ideally, reservation of rights can be obtained in a period of no longer than 15 days and trademark registration in a period that can range between four and six months. However, it may be the case that ...

CLE Center offers The Definitive Reservation of Rights Checklist: 50 Things That Every ROR Letter Needs course for continuing legal education credits individually or part of a compliance bundle.