Dear Editor,
Re: Linden Rees, “Ex Gratia” article (CU, June 2001).
In his very first paragraph, Mr. Rees refers to a claim that “may not be covered”. He later states that “highly dubious” claims should not be covered.
I beg to differ.
Insurers continually broaden coverages and reduce rates to obtain business. When times get tough some try to avoid claims payments. Mr. Rees appears to be of that persuasion.
If there is a doubt, I strongly believe that the insured should be given the benefit. Most, not all, of my insurers agree. This is not “ex gratia”. If a loss is clearly excluded a claim should be denied.
It is the responsibility of the broker to provide service to his client. This includes having dubious claims paid, and pointing out clear exclusions if they exist.
Yours truly,
Walter Seimens, president
Curriers Insurance Agencies Ltd.
