Does a reservation of rights letter mean that my claim will be denied?

January 15, 2025 |

No, a reservation of rights letter means that the insurance company is still investigating the claim and has not made a final determination about coverage. It indicates that the insurance company claims there are potential issues or exclusions that could affect coverage.

:root{--main-font:"Poppins";--secondary-font:"Poppins";--additional-font:"";--modal-overlay-color:rgba(0,0,0,0);--day-color:rgba(0,0,0,0);--hours-color:rgba(0,0,0,0);--odd-rows-background-color:rgba(0,0,0,0);--accent-color:#000;--text-color:#131313;--link-color:#131313;--link-hover-color:#f50000;--color-primary:#f50000;--color-secondary:#2f2f2f;--color-tertiary:#000;--color-neutral:#f3f3f3;--footer-heading-color:#fff;--subheading-color:var(--accent-color);--results-heading-color:#fff;--results-subheading-color:var(--accent-color);--res_lg_bg_image:url("");--res_sm_bg_image:url("");--res-br-color:#fff;--res-bg-size:auto;--results-amount-color:#fff;--results-category-color:#fff;--top-bar-bg:#fff;--contact-footer-bg-img:url("");--contact-footer-bg-color:#fff;--contact-bg-repeat:repeat-x;--contact-bg-size:initial;--header-bg-color:#fff;--header-main-m-color:#fff;--header-main-m-hover-color:#f50000;--header-main-m-active-color:#fff;--header-main-m-current-color:#fff;--header-main-m-format:uppercase;--header-sub-m-bg:#fff;--header-sub-link:#3c3a3a;--header-sub-link-hover:#3c3a3a;--header-sub-link-active:#3c3a3a;--mobile-m-overlay:rgba(0,0,0,.25);--mobile-menu-color:#fff;--background-menu-color:#2d2b2b;--mobile-active-menu-color:#d8b538;--mobile-menu-format:uppercase;--location-footer-tab-fg-color:"";--location-footer-tab-bg-color:"";--form-title-color:#fff;--form-label-color:#fff;--form-button-background:#fff;--form-button-hover:#fff;--testimonials-bg-color:#fff;--testimonials-quote-color:#000;--testimonials-author-color:#000;}img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:where(.is-layout-flex){gap:.5em;}:where(.is-layout-grid){gap:.5em;}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}.a-stats{--akismet-color-mid-green:#357b49;--akismet-color-white:#fff;--akismet-color-light-grey:#f6f7f7;max-width:350px;width:auto;}.a-stats *{all:unset;box-sizing:border-box;}.a-stats strong{font-weight:600;}.a-stats a.a-stats__link,.a-stats a.a-stats__link:visited,.a-stats a.a-stats__link:active{background:var(--akismet-color-mid-green);border:none;box-shadow:none;border-radius:8px;color:var(--akismet-color-white);cursor:pointer;display:block;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI","Roboto","Oxygen-Sans","Ubuntu","Cantarell","Helvetica Neue",sans-serif;font-weight:500;padding:12px;text-align:center;text-decoration:none;transition:all .2s ease;}.widget .a-stats a.a-stats__link:focus{background:var(--akismet-color-mid-green);color:var(--akismet-color-white);text-decoration:none;}.a-stats a.a-stats__link:hover{filter:brightness(110%);box-shadow:0 4px 12px rgba(0,0,0,.06),0 0 2px rgba(0,0,0,.16);}.a-stats .count{color:var(--akismet-color-white);display:block;font-size:1.5em;line-height:1.4;padding:0 13px;white-space:nowrap;}.legally-reviewed-box{--cw-lrbb-border:none;--cw-lrbb-shadow:0 0 32px rgba(0,0,0,14%);--cw-lrbb-bkg-color:#fff;--cw-lrbb-padding-top:54px;--cw-lrbb-padding-right:35px;--cw-lrbb-padding-bottom:54px;--cw-lrbb-padding-left:35px;--cw-lrbb-title-color:#323232;--cw-lrbb-title-font-size:17px;--cw-lrbb-title-font-weight:700;--cw-lrbb-title-margin-bottom:5px;--cw-lrbb-attorney-title-color:#17489c;--cw-lrbb-attorney-title-font-size:23px;--cw-lrbb-attorney-title-font-weight:700;--cw-lrbb-attorney-title-margin-bottom:9px;--cw-lrbb-content-color:#454545;--cw-lrbb-content-font-size:15px;--cw-lrbb-content-font-weight:400;--cw-lrbb-content-line-height:19px;--cw-lrbb-content-margin-bottom:20px;--cw-lrbb-thumbnail-width:130px;--cw-lrbb-thumbnail-height:130px;--cw-lrbb-thumbnail-border-radius:50%;--cw-lrbb-thumbnail-margin-bottom:0px;}.author-box{--cw-ab-margin-top:60px;--cw-ab-title-font-size:23px;--cw-ab-title-color:#2c2c2c;--cw-ab-title-link-color:#2c2c2c;--cw-ab-description-padding-top:25px;--cw-ab-description-padding-bottom:25px;--cw-ab-description-padding-left:25px;--cw-ab-description-padding-right:25px;--cw-ab-description-content-margin-left:100px;--cw-ab-description-content-color:#454545;--cw-ab-description-content-font-size:16px;--cw-ab-description-content-line-height:30px;--cw-ab-thumbnail-width:100px;--cw-ab-thumbnail-height:100px;--cw-ab-thumbnail-border-radius:50%;--cw-ab-thumbnail-margin-bottom:0px;}.cw-accordion{--cw-accordion-tab-padding-top:20px;--cw-accordion-tab-padding-right:50px;--cw-accordion-tab-padding-bottom:20px;--cw-accordion-tab-padding-left:20px;--cw-accordion-tab-mob-fs:18px;--cw-accordion-tab-des-fs:20px;--cw-accordion-tab-bg:#ebf1f4;--cw-accordion-tab-color:#2b434f;--cw-accordion-active-tab-bg:#f5f4f2;--cw-accordion-active-tab-color:#2c2c2c;--cw-accordion-hover-tab-bg:#f5f4f2;--cw-accordion-hover-tab-color:#2b434f;--cw-accordion-arrow-up:url("https://cdn-ilddjkf.nitrocdn.com/ZjZPUffGKIoialLbErYXXaKTwAZmRnzC/assets/images/optimized/rev-f288e43/insuranceclaimhq.com/wp-content/plugins/cw-faqs/public/images/arrow-up.svg");--cw-accordion-arrow-down:url("https://cdn-ilddjkf.nitrocdn.com/ZjZPUffGKIoialLbErYXXaKTwAZmRnzC/assets/images/optimized/rev-f288e43/insuranceclaimhq.com/wp-content/plugins/cw-faqs/public/images/arrow-down.svg");--cw-accordion-panel-bg:#fff;--cw-accordion-panel-border-color:#000;--cw-accordion-panel-padding-top:30px;--cw-accordion-panel-padding-right:40px;--cw-accordion-panel-padding-bottom:30px;--cw-accordion-panel-padding-left:40px;--cw-accordion-panel-text-color:#444;--cw-accordion-panel-mob-fs:16px;--cw-accordion-panel-des-fs:16px;}.gform_confirmation_message{color:#fff;}