Insurance Policy Reconstruction
We ensure that policyholders have robust evidence of coverage to present to insurance carriers, a pivotal service in substantiating insurance claims
Find Your Policy
Insurance Policy Reconstruction
Our Insurance Policy Reconstruction service is crucial for clients tendering claims for environmental liabilities. Despite the doctrine of utmost good faith, we’ll make sure sure that good faith is upheld throughout the process on your behalf. We understand the importance of providing concrete and defensible evidence of coverage under a specific policy, as carriers are often justified in denying claims without this proof. Our expertise in policy reconstruction is indispensable for policies over 40 years old, given the common scenario of incomplete or non-existent archives.
What Insurance Policy Reconstruction
Involves
Insurance policy reconstruction is a fundamental service for many of our clients, as the majority need some level of insurance policy reconstruction before they can tender a claim.
We begin by attempting to find evidence of the original primary insurance policy. The original policy (primary evidence) itself is the best proof we can use, when possible.
When primary evidence is unavailable, we turn to secondary evidence, which is admissible in most states, to validate historical insurance policies, including portions of historical policies, canceled checks with policy numbers, corporate records, etc.
Using our extensive proprietary database, we can often identify specimen policies based on secondary evidence, which your coverage attorneys can use to advocate for you, the policyholder/client.
Frequently Asked Questions
In truth, finding the original policy is rare, especially for older claims. However, we have a very high success rate in constructing robust secondary evidence.
No problem. Even for clients with minimal initial evidence, our years of experience and deep understanding of insurance practices often allow us to reconstruct policies using a variety of secondary sources.
Our team works diligently to reconstruct policies as efficiently as possible, but the time frame varies depending on the complexity of the case and the amount of available information.
Yes, we specialize in uncovering and reconstructing policies from the 1950’s – 1980’s, navigating the challenges of incomplete or absent insurance archives.
Years in Business
Allows us to be the leading insurance archaeology and claims management firm in the country
Million Recovered
We uncover hidden assets for our clients, and we excel at obtaining coverage for their environmental liabilities
Policyholder Clients Served
We only work for policyholders and property owners and do not offer our services to insurance companies
Historical Policy Database
Restorical has been collecting, analyzing, and cataloging historical insurance policies spanning the 1950s-1990s.
Our proprietary database with carrier-specific detail is leveraged for our clients on a daily basis
