A Reservation of Rights (ROR) letter is a notice from an insurance company stating that it will provide a defense to its insured while reserving the right to deny coverage later. Insurance companies issue ROR letters when a claim may fall partially or entirely outside the scope of the insurance policy.
In Washington State, insurers defending under a Reservation of Rights owe an enhanced duty of good faith. This includes appointing independent and competent counsel, keeping the insured informed of settlement discussions, and avoiding placing the insurer’s interests above the insured’s interests. Because defending under an ROR creates a conflict of interest, insured individuals are often advised to consult personal counsel to protect their rights.
KND Law assists clients in understanding ROR letters, ensuring insurers comply with their duties, and protecting the insured’s interests.
A reservation of rights letter can feel confusing and alarming
Most policyholders have never heard of a reservation of rights letter until one suddenly arrives from their insurance company. The language is often technical, unclear, and designed to protect the insurer—not you. You do not have to interpret it alone. The KND Law Firm helps policyholders understand what the letter means and whether their coverage may be at risk.
Understand Your RightsFrequently Asked Questions
What is a Reservation of Rights letter?
A Reservation of Rights (ROR) letter is a written notice from your insurance company stating that it will defend your claim for now, but reserves the right to deny coverage later. Insurers issue ROR letters when they believe part or all of a claim may fall outside your policy’s coverage. In Washington State, an insurer defending under an ROR owes an enhanced duty of good faith — and if you’ve received one, consulting an attorney early is strongly advised.
Why did I receive an ROR letter?
You received an ROR because part of the claim against you may not be covered under your insurance policy. The insurer is protecting its ability to deny coverage later if necessary.
What is the enhanced duty of good faith in Washington?
When an insurer defends under a Reservation of Rights, Washington law requires it to act with an enhanced duty of good faith—including appointing independent counsel and keeping the insured fully informed.
Do I need my own lawyer if I get an ROR letter?
Often, yes. Personal counsel can help protect your interests and ensure the insurance company is fulfilling its legal obligations while defending under an ROR.
What should I do after receiving an ROR letter?
You should read it carefully and contact an attorney. An ROR signals that your insurer may later deny coverage, so getting legal advice early is important.
Can KND Law help me review an ROR letter?
Yes. KND Law can explain the ROR, evaluate the insurer’s duties, and help you understand your options and rights.
Received a reservation of rights letter? Get clarity before the insurer controls the outcome
A reservation of rights letter is not always a denial, but it can be the first sign that your insurance company is preparing to limit coverage or avoid paying your claim entirely. Without guidance, policyholders may unknowingly accept interpretations that weaken their position. The KND Law Firm serves as your guide with a clear plan: review the policy, analyze the reservation of rights letter, explain what the insurer is actually saying, and determine whether the company is acting in good faith. If the insurer crosses the line, we are prepared to take action to protect your rights and coverage.
Get straightforward answers and experienced legal guidance before making critical decisions about your claim.
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