{"slug":"reservation-of-rights-letter","source_name":"reservation-of-rights-letter","name":"Reservation Of Rights Letter","description":"When drafting an insurer's reservation-of-rights letter to a policyholder it will investigate or defend while coverage is in doubt, put in the elements a claims professional never omits — the specific policy provisions that may bar or limit coverage, each tied to the fact that raises the question; an express non-waiver and no-estoppel statement; the right reserved to deny coverage or withdraw the defense (and, where applicable, to seek reimbursement); and a demand for the insured's cooperation. Use when an insurer proceeds to investigate or defend a claim while preserving the right to later deny. Do NOT use for outright denial letters, for settlement offers to a claimant, for first-notice-of-loss intake, or for the internal coverage-position analysis itself.","version":1,"lift":{"pass_rate_delta_pts":null,"pass_rate_pct":30.8,"total_cases":13,"passed_cases":4,"tokens_delta_pct":519.9,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.5-flash","grading_method":"judged","completed_at":"2026-07-10T17:46:39.941916+00:00"},"skill_score":null,"benchmark_models":[{"model":"gemini-3.5-flash","headline":false,"delta_pts":null,"with_pass_pct":null,"without_pass_pct":null,"tokens_delta_pct":519.9,"turns_delta_pct":0,"total_cases":13,"cases_aggregated":13,"verdict":"mixed","never_hurt":true,"completed_at":"2026-07-10T17:46:39.941916+00:00","run_id":"e1793ac0-e34b-4109-b6a6-750d2b4bcb16","version_number":1,"is_latest_version":true,"gate":"not_comparable"}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":false},"license":null,"install_count":0,"manifest_hash":"030d9d6780eb90abdb16bb1f94aa6e53501523ae363f28c5906dabc43be8afa8","raw_url":"https://app.decimal.ai/s/reservation-of-rights-letter/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/reservation-of-rights-letter"}