# Coverage Opinion

_Glossary_

Canonical: https://www.claimspages.com/learn/glossary/coverage-opinion/

A legal or technical analysis of whether a policy covers a particular loss or claim scenario.

Coverage counsel issues formal opinions for insurers on ambiguous facts and policy language. Adjusters may request informal coverage notes before reserving rights or denying.



After a ransomware event, home office data loss triggers a formal coverage opinion on the computer property sublimit and business exclusion.