How can claims professionals identify coverage gaps early in the claim investigation?

• A. By documenting every step of the investigation.
• B. By mapping policy language, endorsements, and exclusions against the claimed loss and pursuing applicable endorsements or clarifications.
• C. By delaying coverage reviews.
• D. By deferring to the insured's statements.

Answer: (B)

Understanding coverage gaps requires translating the policy language, endorsements, and exclusions into a clear map of what the policy covers for the claimed loss. By aligning the specific terms with the facts of the claim and identifying any endorsements that broaden or limit coverage, you can spot gaps or ambiguities early and pursue clarifications or endorsements to close them. This proactive approach helps prevent surprises later in the investigation and reduces potential rework. Documenting the process is valuable for accountability, but it doesn’t by itself reveal whether the loss is covered. Delaying coverage reviews postpones gap discovery, and deferring to insured statements can misalign the claim with the actual policy terms and exclusions.