title = "Policy Coverage Verification"

content = """
Policy coverage verification forms the cornerstone of claims processing, ensuring that settlement decisions align with the contractual agreements between insurer and policyholder. This process requires meticulous attention to policy language, conditions, and exclusions.

**Policy Retrieval:** Access the most current policy version associated with the claim, including any endorsements, riders, or amendments issued after the policy effective date. Verify that coverage was in effect at the time of the claimed incident.

**Coverage Analysis:** Examine relevant policy sections including insuring agreements, exclusions, conditions, and definitions. Compare incident facts against coverage triggers and requirements. Identify any policy limits, deductibles, or sub-limits that may apply.

**Endorsement Review:** Evaluate all policy endorsements for modifications to standard coverage. Common endorsements include increased limits, additional coverages, or specific exclusions that may impact the claim outcome.

**Condition Compliance:** Confirm that the policyholder has met all policy conditions precedent to coverage, such as notice requirements, cooperation clauses, and maintenance obligations. Document any breaches that may affect coverage.

**Jurisdictional Considerations:** Account for state-specific insurance regulations and mandatory coverages that may expand beyond standard policy language. Research applicable case law when coverage interpretation requires legal precedent.

**Documentation:** Record coverage determination rationale in the claims file, including specific policy references and analysis supporting the coverage position. This documentation serves as the foundation for settlement decisions and potential litigation.
"""

version = "0.0.1"
