Policy Construction and Policy Interpretation
Insurance Policies are notoriously convoluted contracts that require training and experience to understand. Mr. Sapourn has spent almost 30 years studying, reading, interpreting, negotiating and placing the various standard and manuscripted insurance coverage forms. Understanding policy construction is the key that unlocks the answer to the question: “Am I covered?”
Mr. Sapourn has developed a proprietary system for reviewing the elements of an insurance contract. This system untangles the question of coverage in a relatively straightforward exercise.
Once the question of coverage is determined, then the policy must be evaluated for limitations and penalties hidden in its many trap doors.
The analysis finally leads to a reasonable value for the claim presented.
This methodology is used to negotiate the highest and fairest claim settlement.