Coverage Denial — Intentional Act Exclusion

A full-denial letter formally communicates the carrier's decision to deny coverage for a liability claim based on an intentional act of the insured.

1. Introduction

Dear {{insured_name}},

We have completed our investigation into the claim brought against you by {{claimant_name}} for damages occurring on {{date_of_loss}}. After a thorough review of the facts and the terms of your policy, we must inform you that no coverage is available for this claim.

2. Factual Background

Our investigation indicates that the incident on {{date_of_loss}} was the result of an intentional act. Specifically, {{factual_description_of_intentional_act}}. Evidence gathered during our investigation includes {{evidence_list}}.

3. Policy Language

Your policy, {{policy_number}}, includes the following exclusion:

Exclusion — Expected or Intended Injury: "This insurance does not apply to 'bodily injury' or 'property damage' expected or intended from the standpoint of the insured."

4. Application

As stated in the factual background, the evidence shows that the injuries or damages were the result of an intentional act on your part. Based on the policy language cited above, the "Expected or Intended Injury" exclusion applies to this claim.

Accordingly, we are unable to provide coverage, including a defense or indemnity, for the claim brought against you by {{claimant_name}}.

5. Next Steps

If you have additional information that you believe may affect this decision, please provide it to us as soon as possible for our reconsideration. You also have the right to contact your state's Department of Insurance if you disagree with this determination.

If you have any questions, please contact me at {{adjuster_phone}}.

Sincerely,

{{adjuster_name}} {{adjuster_title}} {{company_name}}