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In this article, Jenner & Block Partner Matthew L. Jacobs discusses the disconnect between underwriting and claims handling. When a claim is submitted for coverage, he explains, the policyholder expects all of the information it provided to the underwriter at the time of placement will be considered, analyzed and given weight by the claims department. But that rarely happens. The article is the first installment in a two-part series; in the second installment, Mr. Jacobs addresses the arguments that insurers present for allowing the situation to continue.