Beyond the Denial: The “Mulligan Process.” The Hidden Process that Can Turn a Denial into a Settlement

When a homeowner files an insurance claim, a denial can feel like a final, devastating blow. The adjuster says, “the policy doesn’t cover it,” and the door to a solution seems to slam shut.

But what if that door isn’t truly closed?

At Rome Public Adjusting, we approach every claim from the principle that “People Are For Caring.” This means we don't just look at the surface-level facts of a claim; we seek to understand the deeper truth, guided by an ethical and compassionate framework. Our decades of experience in the insurance industry have taught us that the problem isn't always what it seems.

Sometimes, a claim is denied not because your policy lacks coverage, but because of a simple human error made during the policy's administration. This is where a little-known process, which I like to call the "Mulligan Process," can make all the difference.

Understanding the Two Kinds of E&O

Most people know about Errors and Omissions (E&O) insurance, which protects an insurance agent from lawsuits if they make a mistake that harms a client. If an agent fails to add a crucial endorsement or incorrectly advises a client on coverage, a claim could be denied, leading to a potential E&O claim. In this scenario, the E&O policy essentially pays for the agent's mistake, providing the client with the compensation they should have received.

However, there is another, less-known category of E&O that is often overlooked by even seasoned adjusters. Many large insurance companies have an internal, self-insured mechanism for managing these types of errors. When a policy is found to have a clerical mistake—perhaps an endorsement wasn't properly added, or the wrong coverage was applied—a skilled agent can often seek approval from their manager to correct the policy retroactively.

This is the "Mulligan Process."

With internal approval, the policy is backdated to fix the error, and the client pays the back premium to make it right. Once this is done, the claim, which was previously denied, can now be covered under the corrected policy.

Our Unique Advantage: A Commitment to Creative Solutions

Most public adjusters, without the benefit of extensive experience as a former insurance agent, may not even know this process exists. They might see a denial and immediately move toward an adversarial dispute or even a lawsuit.

At RomePA, we believe in a better way. Guided by wisdom and a commitment to justice, our first step when facing a denial is not to fight, but to discern. We ask: Is this truly a lack of coverage, or is it a rectifiable error? We can then engage with the insurance company not as an opponent, but as a partner in seeking the truth and restoring what is due.

This creative and compassionate approach can save our clients from the stress, time, and uncertainty of a protracted legal battle. It allows for a fair, honest, and generous solution, bringing order out of chaos and ensuring that you, the person at the center of the journey, receive the full care and compensation you deserve.

Your insurance company is there to serve you, and a good public adjuster is there to ensure that service is delivered with justice and integrity. At RomePA, we stand ready to advocate for you with an understanding that goes beyond the typical. We are here to bring about a just solution, one claim at a time.

The Mulligan Process